Home Insurance Claim After a Fire: The Scope Gaps That Cost Homeowners the Most
A fire claim involves three distinct layers of loss: structural damage, smoke and soot contamination, and the cost of temporary displacement. Smoke damage is the most frequently undervalued component of a fire claim, especially regarding HVAC system contamination and non-visible soot in wall cavities. Insurance adjusters often label non-visible smoke damage as “cosmetic” to limit … Read more