Is Smoke Damage Covered By Insurance?

4/7/2022 (Permalink)

If your property or one adjacent to you has recently sustained a fire, you may be left to deal with smoke damage. You may be worried about making a claim with your insurance company because you're unsure if smoke-related damage is a covered loss. Here's what you need to know.

About Soot Damage and Insurance

In most cases, any damage from smoke will be covered by your commercial insurance policy, even if the fire occurred at a company right next to yours. That said, you'll need to file your claim properly to increase the chances of it being accepted. Follow these steps:

• Contact your insurance company to report the smoke damage and file a claim
• Assess your loss and prepare a smoke cleanup plan with the help of professionals at SERVPRO of Aberdeen/Holmdel
• Record proof of any damage and repairs in photographs, receipts, and other documentation
• Prepare for the insurance adjuster to arrive for surveying purposes

Following the steps above will increase the chances of restoring your property as best as you can. Having a solid plan of action will also make it more likely that your insurance company will approve your claim.

Smoke Cleaning Assistance

SERVPRO of Aberdeen/Holmdel is a fire damage restoration company with a team of experts who can help you navigate the claims and restoration process. We are here to help you on an emergency basis, ready to assess the situation and help you build a cleanup plan that will eliminate smoke from your building and reduce odors.

If your home or business is in need of fire restoration or cleanup services, contact SERVPRO of Aberdeen/Holmdel today.

Want to learn more about our fire services?
Contact us today at (732) 290-3170.