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Where there’s smoke, there’s fire.
The problem with this adage is that it’s not always true, because when the fire’s out, the smoke still lingers. Sometimes for hours. Seeping into everything. Your carpets, your curtains, your wall cracks. Not to mention your lungs, and anyone else’s lungs who breathed it in.
But shouldn’t fire insurance cover the smoke damage? Not necessarily. It’s common for insurance companies to go by the letter in order to claim they owe nothing. The financial advisory site Financial Web, points out these two examples of fire insurance not covering smoke:
Due to this conundrum of definition-sensitive fine lines about what is “fire-caused” and what is “smoke-caused,” the best solution is to make sure to have your Florida home or workplace covered by both Florida fire insurance and Florida smoke insurance. This way, you can claim smoke damages separately should you need to.
What Causes Fires & Smoke?
While you’re making sure your insurance is enough to cover you, in parallel, take precautions to prevent fires and smoke in your home or other building. Not only will you help save lives and property damage, you might get a discount on your insurance, to boot.
Fire and smoke damage are nothing pretty, but if they do happen to you, at least have the peace of mind to be covered well by insurance. Should you need to make a claim, LMR Adjusters will work to ensure you get the amount of coverage you deserve.
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