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Fire & Water - Cleanup & Restoration

3 FAQs About Insurance and Fires

5/25/2022 (Permalink)

Fire damage in a home in East Dundee, IL.

Learn More About Your Insurance Policy Coverage

Your house is a valuable asset, and you want to ensure that it is protected in the event of a home fire. These events, caused by everything from electrical flares to arson, cause a lot of damage, requiring a fire restoration company to repair. Fortunately, you can learn more about your insurance policy coverage to help you prepare for this situation.

1. What Items Are Covered by Insurance?
When a home fire strikes, your insurance will typically cover any of your belongings on your property in East Dundee, IL. This includes your house, detached structures, and personal belongings. It also means that any vacant houses you own will be covered if listed on your insurance policy. The only requirement is that the item damage is on a piece of property listed on your policy.

2. How Much Coverage Can Go Towards a Fire?
The amount of money you can receive after a home fire depends on your policy limits. Read your policy to find your fire limit or the maximum amount of funds you will receive after a fire. Most of the time, you will adjust this number when choosing your policy. You should base this amount on the total value of your personal belongings and structures to ensure that you have enough coverage.

3. What Type of Fire Damage Is Not Covered?
Your insurance doesn't cover every type of fire damage. If you start a fire that damages your home or outbuilding on purpose, your policy will not cover the damage. Additionally, any fires started due to war are not covered. To get a more in-depth understanding of what potential risks are not covered under your policy.
It helps to prepare yourself for a house or vacant home fire. Understanding more about your insurance policy is one way in which you can help prepare yourself to bounce back from a situation financially.

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