What Does A Homeowners Fire Policy Cover?
It is imperative to understand the details of a homeowners insurance fire policy because...
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It will help you prepare and decide what additional coverage you need to purchase.
It will help you file the most accurate claim possible
It will help you to appeal a decision if need be
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Standard homeowners fire policies typically cover three areas
-Dwelling
-Personal Property
-Detached Structures
WHAT IS COVERED FOR FIRE DAMAGE?
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Smoke and fire damage to your home and surrounding structures should be covered under a standard policy
may also help cover living expenses, should your home be uninhabitable
Dwelling
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Sheds, fences, detached garages, and other areas that are not directly attached to the home may also be covered
Most insurance policies will pay to replace damaged landscaping
Detached Structures
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Insurance should cover damaged or destroyed personal belongings including:
-Furniture
-Appliances
-Toys
-Clothing
-Electronics
Personal Property
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It's a good idea to keep an updated inventory of personal belongings and their estimated replacement costs
Be as accurate as possible otherwise it can result in a denial of your claim.
Pro Tip
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A fire is a traumatic, life-changing event. The Roth Group has helped hundreds of clients navigate the insurance claims process and receive a fair settlement.
HIRE A COLORADO FIRE INSURANCE ATTORNEY
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