Your homeowner’s insurance can help you cover costs for repairs due to weather extremes. It can also cover loss or damage of your belongings due to covered events like theft. While it’s one of the best things you can invest in, we’re hoping you’ll never have to use it.
Read on to find out if your homeowner’s insurance policy covers fire damage.
What Your Insurance Covers
Basic homeowners insurance usually provides coverage for the structure of a house and attached structures like the garage. Most policies also cover detached structures, such as fences, garages and sheds. If you can’t stay at home during the repairs, your insurer will likely pay for the added living expenses, such as hotel and restaurant bills.
Personal belongings, such as furniture, clothing and appliances are typically covered by homeowners insurance. They protect your belongings from fire and lightning strikes. Should your belongings be damaged or destroyed in a fire, your insurance may cover repair and replacement costs.
Furthermore, basic homeowner’s insurance may cover landscaping damage due to fire. You may get compensated if a fire destroys trees or shrubs. Some policies even cover wildfire damage. Make sure to read and review your policy to confirm if fire restoration costs are covered.
What Is Not Covered?
Most homeowner’s insurance policies don’t cover damage related to floods and earthquakes. Your claim can get denied if the damage resulted from improper maintenance or neglect. Mold-related issues may not be covered. There may also be exclusions about keeping certain breeds on the property.
At Action Restoration Inc., we handle water removal, fire restoration, mold remediation and storm damage repairs. You can also rely on our experienced team for quality remodeling and construction services. Give us a call at (616) 200-8946 or get help now by completing our contact form.