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What Homeowners Insurance Covers When It Comes to Fire Damages

home with fire damage on its exterior, what home insurance covers in the event of a fire

Understand what your home policy covers when it comes to fire.

Fires are one of the most common and most devastating claim events that homeowners face.  This is why many people want to know exactly what their homeowners insurance in Carrollton, Texas, will cover when it comes to fire damages.  Here’s what your home policy will take care of in the event of a fire.

Standard homeowners insurance policies will offer coverage for both fire and smoke damage to your home and belongings.  You have this coverage regardless of where a fire starts.  For instance, if your home sustains damage from a fire originating in a neighbor’s house, your insurance will still offer coverage for repairs.  Most home insurance policies also offer coverage for the damage caused by wildfires.  However, if you live in an area particularly prone to wildfires, then your policy may limit the amount of wildfire coverage that you have.  You may have to secure endorsements or supplemental insurance policies to get the comprehensive protection that you need.

If the fire damage that your home sustains is particularly extensive, it may not be safe to remain in the home.  In this case, you can access the additional living expenses (also known as loss of use) coverage included in your homeowners policy.  This coverage will help you pay for temporary housing, as well as essentials such as food, laundry services, parking, and so on while your home is being repaired.

The only time your homeowners insurance will not offer coverage for fire damage is when you or anyone named on your policy caused the fire on purpose.  Intentional acts of damage are never covered by insurance.

After a fire is extinguished, you may be at a loss.  To start the claims process, take pictures or videos that capture the extent of the damage.  This proof will help your insurance provider understand the full scope of your damage and ensure that you get all the coverage that you need.  Once you have documentation of the damage, immediately contact your insurance provider to report the incident.  Your agent will walk you through the claims process from there.

This is what you need to know about fire damage and your homeowners insurance in Carrollton, Texas.  Do you have additional questions about your home coverage?  If so, then contact the experts at Mike Leonard Insurance Agency.  Our dedicated team is eager to find you the right coverage from one of our many carriers, including: Kemper, MetLife, Nationwide, Travelers, Safeco Insurance, Progressive, and American Strategic Insurance.

At Mike Leonard Insurance Agency, our goal is to serve our clients with comprehensive personal insurance solutions at affordable prices. Because we are an independent agency, we are able to prioritize our clients' needs without having to worry about confounding factors such as commissions or overhead costs.