How Fire Insurance Can Help After a House Fire

6/2/2020 (Permalink)

Fire damage in a local home in Franklin, TN

A fire at your Franklin, TN, home can be a very stressful experience. Fortunately, renters insurance can help you through.

Fire Coverage

In general, your insurance policy will cover damage as long as the fire was not set intentionally. The following are some common causes of fire damage that are usually covered:

• Candles
  
• Cooking accidents
  
• Electrical problems
  
  

Your insurance policy should cover damage to your personal belongings, such as furniture and electronics. Additionally, your policy may provide liability protection in the event that you accidentally start the fire and another person or his property is injured. Some policies will cover small medical expenses for third parties without the need for establishing liability. Most policies will also cover temporary relocation expenses so that you have the funds to afford a hotel room or other living arrangements while your home is being restored. Talk to your insurance agent to ensure that you have sufficient coverage and that you understand what is and is not covered by the policy.

Fire Restoration
Restoration of the structure itself will be covered by your landlord's insurance, but contents restoration will be covered by your renter's insurance policy. There are a variety of aspects of the fire restoration process. In addition to fire damage, your belongings may also incur water damage from the fire-extinguishing efforts. Removing soot helps prevent corrosion, and thoroughly drying water-soaked items prevents mold growth. Eliminating smoke odor helps make the space livable again. Finally, repairing or replacing damaged items gets the home move-in ready. Some items, like electronics and antiques, will require specialized restoration techniques, but other items may simply need a fresh coat of paint. A professional can help you determine what is and is not salvageable.
The restoration process can be overwhelming, but fortunately, renters insurance and a certified restoration company can help you get your home back to normal quickly and safely.