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Fire & Water - Cleanup & Restoration

What Insurance Considers Covered As Fire Damage

1/28/2021 (Permalink)

Kitchen burned Kitchen fire damage in a Mentone, CA home

After a fire hits your business in Mentone, CA, insurance is the first company contacted. It may not be entirely clear what is covered under a normal fire damage policy. While it does vary, most commercial insurance policies tend to follow typical guidelines regarding coverage.

Standard Types of Fire Insurance

Insurance companies offer coverage of varying extents depending on the policy held. There are three different tiers of coverage:

  • Special coverage is the most extensive and expensive. It excludes certain losses from coverage rather than establishing what is covered. Anything not listed as an exclusion is covered under this policy.
  • Broad policies offer coverage for direct fire-related issues alongside an additional layer of extra coverage. This includes external secondary damage like water or chemical damage from the fire department’s dousing.
  • Basic policies are the most minimalistic. It only covers fire damage that is explicitly stated in the policy.

Evaluating Damage and Repairing What Is Found

An insurance company will initially send out an insurance adjuster to scope out the damaged property. All damage verified as directly correlated to the fire will be covered, aside from arson. This includes smoky or burnt furniture, electronics, water damage from sprinklers and burnt structure pieces.

To treat the damage, insurance companies can work with a specialty restoration company to quickly start the process of restoring the building to its former state. You have influence in which company is used, and you can guide your insurance by evaluating these companies yourself.

Prevent Repairs by Being Prepared

Fire mitigation is the most effective way to save money when dealing with an unfortunate fire. Having a written plan and preparing your business with training can save you from having insurance involved in minor damage. Additionally, insurance looks favorably upon preventative measures and could adjust what’s offered accordingly.

Your business depends upon insurance and proactive measures to stop fire damage from causing significant financial harm. Knowing what your policy offers is vital. After all, a temporary closure from an insurance repair is better than an unexpected permanent one.

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