Is Fire Damage Covered by Insurance in Hunterdon County?

Fire can create widespread damage throughout your property in no time at all. Fire damage restoration is an extensive cleanup, rebuild, and smoke removal process that’s more than devastating: it can become expensive, which begs the question of how much your insurance policy can help. Is fire damage covered by homeowners insurance ? The answer is typically yes, as fire & smoke damage falls under “covered peril.” Talk to your insurance provider to review your exact policy, but you should not expect pushback from your insurance company after fire damage.

Dwelling coverage is one of the two types of coverage you can expect to receive after a fire. It covers the cost to repair or replace the main structure and attached structures of your home following covered damage. Usually, detached structures like sheds and fences are also covered, but it will all depend on your policy. Beyond the physical damage to your property, the expenses of temporarily living away from your home are generally encompassed under dwelling coverage. This includes the cost of a hotel, restaurants or grocery shopping, etc. This is why you purchase homeowners insurance in the first place; to be covered on all fronts in case of the unexpected.

The second type of coverage you can expect to receive under your homeowners insurance policy is personal property coverage. Personal property coverage is the cost to repair or replace items lost in a covered event. This will come in handy for items like furniture, appliances, and electronics, but you may run into some issues with more expensive items, like jewelry, art, instruments, and collectibles. Standard personal property will likely cap coverage at a certain amount, so purchasing further coverage on special items can make sure you receive appropriate compensation.

A fire is the last thing anyone expects, and knowing the next steps on how to handle the restoration process is often new territory. But, if you do experience a fire, your property is in great hands with Restoration 1 of Hunterdon County. We can help you navigate the intricacies of insurance claims and talk to adjusters on your behalf. All you have to do is ask. Then, we can get to work cleaning and restoring your property. Stay calm, and contact us 24/7 at 908-292-3209.

Jovanny Galarza is the owner of Restoration 1 of Hunterdon County, an IICRC-certified company. Jovanny has years of experience and is proud to have put together a team that works together to reach goals and serve clients with five-star satisfaction.