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When a fire occurs and your house is damaged from the smoke, it may be necessary to file a claim with your home insurance provider. Although many policies will cover any damages that are related to a fire, including the damages from smoke, the exact details relating to the plan can vary.
Type of Policy
Before you assume that your insurance provider will pay for all of the damages to your property, look at the type of policy that you purchased. Be aware of the method of replacing or repairing the damages. Generally, insurance providers will either provide the replacement cost of the item or the market value based on depreciation rates.
The type of policy that you purchased can impact the amount that you receive after filing a claim and the details related to the damages that are covered.
Provide Appropriate Paperwork
Although you may be able to make a claim, it is important to file the appropriate paperwork. You may be asked to provide details related to the items that were damaged from the smoke. Furthermore, you will be asked to provide official reports and any details that are relevent to the situation.
Insurance providers can ask for a variety of documents, so make sure that you provide as many details as possible so that your claim will go through. The details that are required can vary between policies and insurers.
There are a variety of factors that contribute to making a claim on your homeowner’s policy, but most plans will protect against damages from smoke or fires. The exact amount of coverage that is available may vary based on the plan that you purchased. To learn more about filing a claim after a fire, contact us to talk to an agent today.