Does Home Insurance Cover Fire-Damaged Possessions?

lit candle

If your home has recently experienced a fire, there’s probably one big question on your mind: does my insurance cover this? The good news is that more often than not, the answer is yes. Most homeowners insurance covered fire damage, and with our fire damage experts at FP Property Restoration, you may be able to get your home up and running again sooner than you think, even if your home has been through a nasty blaze. However, the question of whether your home itself is covered by insurance in the event of a fire is different than whether fire-damaged possessions are covered. Keep reading for the answers you need to know, and remember that FP Property Restoration is available 24/7 for fire-related emergencies.

When Will Homeowners Insurance Cover Fire-Damaged Items?

In most homeowners insurance policies, belongings that have been damaged by a fire are covered. This usually includes anything defined as “personal property,” such as appliances, furniture, and clothing. But it is important to remember that homeowners insurance policies may vary from house to house in terms of what the risks, or as they are described in most policies, “perils,” are related to potential fires. For instance, it is common for homeowners insurance to cover something like a lightning strike, as there is no reasonable way to prevent something like this. In other cases though, the insurer may look more closely. If your fire was caused by a candle, for instance, they could in theory claim this is negligence, including the possibility that you even started the fire. In instances like these, it can be hard to get your possessions, not to mention the rest of your property, covered under your policy. The same also tends to be true if your home has been vacant for more than 60 consecutive days.

We suggest inspecting your policy closely to make sure this is the case for your home, and checking whether your insurance includes coverage that will help you repair or replace items that have been damaged in a fire. Also, insurance companies do not create “one-size-fits-all” policies for their customers. You may want to consider purchasing additional coverage for fire damage, especially if you live in an area that is prone to disasters like wildfires. This is an important thing to consider in deciding where to live, as even full compensation may not be able to cover the cost of rebuilding your home in the event of a devastating disaster like a wildfire.

If Your Home Has Been Damaged by a Fire, Call FP Property Restoration Today

If your home has been damaged by a fire, including the possessions inside of it, you should call our professionals at FP Property Restoration for a service known as “contents cleaning." Contents cleaning and restoration is specifically designed to make sure your items are restored to the state they were pre-fire, and is offered alongside fire and smoke cleanup and post-fire repairs to guarantee your home receives the most comprehensive service possible following a fire. Our skilled technicians at FP Property Restoration also know how to help you deal with insurance companies after a fire too, so if your house and belongings have been damaged, never fear. Just contact our skilled restoration team ASAP.

FP Property Restoration is available by phone at (888) 408-2335, or you can contact us online.

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