Is Smoke Damage Covered By Insurance?

1/8/2019 (Permalink)

Smoke damage in a Knoxville, TN building

If your commercial building or one adjacent to yours recently sustained a fire, and you are left dealing with smoke-related damage, you may be worried about making a claim with your insurance company. Is smoke damage a covered loss? Read on to learn everything you need to know about smoke claims to put your mind at ease.

Soot Damage and Insurance

In most cases, damage from smoke will be covered by your commercial insurance policy. This is even the case if the fire occurred at a company right next to yours. However, there are some steps you need to take to properly file your claim and increase the chances of it being accepted. They are as follows:

1. Contact your insurance company to report the smoke damage and file a claim.
   
2. Assess your loss and prepare a smoke cleanup plan with the help of professionals.
   
3. Record proof of any damage and repairs through photographs, receipts and other documents.
   
4. 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 in place will also make it more likely that your insurance company will approve your claim.

Smoke Cleaning Assistance

As you can see above, creating an action plan for cleanup is one of the most important parts of this entire claims and restoration process. A reliable Knoxville, TN, fire damage restoration company should be able to arrive on an emergency basis, assess the situation and help you build a cleanup plan that will likely include reducing odors and eliminating smoke from your building.

Smoke damage isn’t always easy to deal with, and communication with your insurance provider can be even more frustrating. Following the steps above and knowing where to turn for cleanup help can make your business’s post-fire future more positive.