Is Smoke Damage Covered By Insurance?

2/26/2020 (Permalink)

Are you dealing with smoke-related damage to your building? If your commercial building or the one adjacent to yours recently sustained a fire, you are most likely dealing with the aftermath of the event. You may be worried about making a claim with your insurance company. Is smoke damage a covered loss? Read on to learn everything you need to know about smoke claims that will help put your mind at ease.

Soot Damage and Insurance

Most of the time, smoke damage will be covered by your commercial insurance policy. This is often even the case if the fire occurred at an office right next to yours. However, there are some steps you should take to properly file your claim and increase your chances of being accepted:

1. Contact your insurance company to report the smoke damage and file a claim.
2. Assess your loss and prepare a smoke cleanup plan with the help of professionals.
3. Record proof of any damage and repairs through pictures, receipts, and other documents.
4. Prepare for the insurance adjuster to arrive for surveying purposes.

Following the steps above will increase the chances of restoring your property entirely. Having a solid plan in place will also make it more likely that your insurance company will approve your claim.

Smoke Cleaning Assistance

Creating an action plan for cleanup is one of the most important steps to the entire claims and restoration process. A reliable fire damage restoration company, such as SERVPRO, will arrive on an emergency basis. They will assess the situation and help you build a cleanup plan that will aim to reduce odors and eliminate smoke from your building.

Smoke damage isn’t easy to deal with and communicating with your insurance provider can be even more frustrating. Following the steps above and knowing where to turn for cleanup help can make your business’s post fire experience a more positive one.