What Does A Homeowners Fire Policy Cover?

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It will help you prepare and decide what additional coverage you need to purchase.

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Standard homeowners fire policies typically cover three areas

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Smoke and fire damage to your home and surrounding structures should be covered under a standard policy

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Sheds, fences, detached garages, and other areas that are not directly attached to the home may also be covered

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Insurance should cover damaged or destroyed personal belongings including:

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It's a good idea to keep an updated inventory of personal belongings and their estimated replacement costs

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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.

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What Does A Homeowners Fire Policy Cover?

It is imperative to understand the details of a homeowners insurance fire policy because...

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

Standard homeowners fire policies typically cover three areas

-Dwelling

-Personal Property

-Detached Structures

WHAT IS COVERED FOR FIRE DAMAGE?

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

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

Insurance should cover damaged or destroyed personal belongings including:

-Furniture

-Appliances

-Toys

-Clothing

-Electronics

Personal Property

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

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