Experiencing a house fire is an unfortunate scenario, but having the right homeowners insurance policy will allow you to cover all aspects of fire damage restoration. Many times, this will need to include destruction caused from the fire, as well as smoke and water. To make sure you are prepared for this possibility, use the guide below to compare your policy details.

Dwelling, Detached Structures, & Personal Property

Standard homeowners insurance policies will typically cover any type of fire, unless it was set intentionally. You can expect the policy to cover all fire damage restoration costs for any fire or smoke-related damage to the dwelling and any attached structures, like a garage. In most instances, it should also cover detached structures on the property, which can sometimes include the landscaping.

A standard policy should also offer a certain percentage to recoup the loss of personal belongings; however, you’ll need to keep a written inventory to prove these losses. If you have many costly possessions, it might be necessary to increase your coverage.

Since firefighters will often be necessary for putting out the fire, water damage repairs are also often needed. Fortunately, these same policies tend to cover these costs. However, as water-related policies can vary from one insurer to the next, be sure to go over these areas closely.   

Additional Living Expenses

You should also check your coverage for Additional Living Expenses (ALE). In the event your home is deemed unlivable by the insurance company while fire damage restorations are being made, you’ll need somewhere else to live. This policy will cover any hotel bills, meals, and other living expenses during this time. Just remember, however, that this particular coverage has limits and sometimes also a time cutoff.

No one hopes to experience a fire, but being prepared for the possibility is smart. Part of this preparation is knowing who to contact after one happens. A-1 Cleaning & Restoration in Red Wing, MN, provides fire damage restoration services, including water damage repairs and smoke odor removal. They’ll work with you and your insurance company to help you get back to your life quickly. Call them today at (651) 385-8442 and visit their website to learn more about their services.