Call Us (469) 388-1443 ☰ ˟
(469) 388-1443
Logo
  • Home
  • Blog
  • Resources
    • Secure File Area
    • Refer a Friend
    • Important Files
    • Insurance Glossary
    • Frequently Asked Questions
    • News Center
  • About Us
    • About Buckley Insurance
    • Location Map
    • Employee Directory
    • Partners
    • Customer Testimonials
    • Privacy Policy
  • Contact
    • Contact Us
    • Join Our Newsletter
Home > Blog > Fireplace Smoke Damage
FRIDAY, DECEMBER 29, 2017

Fireplace Smoke Damage

Will Home Insurance Pay for Smoke Damage from a Fireplace Accident? 

Home insurance policies differ significantly from one another. In many situations, they will provide coverage for smoke damage. However, this depends on a variety of factors. The individual circumstances of the situation play the biggest role here.

Homeowners need to take a closer look at their policy to learn if smoke damage coverage is available. Policies will list exclusions and any limitations that could be a concern.

What Caused the Smoke Damage?

A key part of whether smoke damage will receive coverage from home insurance is the cause. Insurers will usually cover smoke damage if the cause was accidental or unavoidable. For example, a fireplace starts a fire in the house, smoke damage may result. The homeowner might turn to their insurance for help.

In the case of a fireplace, the property owner needs to take proper steps to ensure the fireplace is clean. He or she needs to be sure proper maintenance was in place. If the fire occurred in a vacant home, this, too, could disqualify the policy's coverage. Most often, home insurance does not apply to the same level when the property is vacant.

What Type of Damage Occurred?

The home insurance agent will question the type of damage. Smoke damage after a significant fire is not uncommon. It occurs quite often in a large-scale fire within a home.

Consider what damage occurred. The policy may cap this type of damage. It may not cover items that you can clean. It may not cover all of your home's furnishings. If the smoke damage occurred as a result of a broken flue, you may gain coverage for some damaged items, up to the limit of the policy. If the smoke damage occurred as a result of an uncovered peril, it may not.

In a fireplace, the smoke should move up the chimney. It should have proper venting. Does the fireplace have venting? Is it an acceptable structure according to local building codes? If not, the homeowner might expose the home to un-covered smoke damage risks.

Operating a fireplace can be a good thing. A well-maintained fireplace can reduce energy costs. However, if the homeowner does not maintain it, this will lead to a high risk of fires and smoke damage.

Home insurance may help cover some of these losses. Others it may not. To find out, give your home insurance agent a call. Inquire about your options. Discuss the risks and what steps you can do to reduce these risks. Proper fireplace maintenance is critical here. It is a common reason for this type of smoke damage.

For more information, call Buckley Insurance Agency at 469-388-1443.

 

Source: Insurance Technologies Corporation

Posted 5:11 PM

Tags: smoke damage, fireplace
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2017
  • 2016

  • business insurance(5)
  • auto insurance(4)
  • insurance(4)
  • home insurance(3)
  • quote(2)
  • homeowners(2)
  • buckley insurance agency(2)
  • car insurance(2)
  • frisco(2)
  • climate change(1)
  • panels(1)
  • diminished(1)
  • office move(1)
  • auto insurance trends(1)
  • accident(1)
  • minimum coverage(1)
  • texas republic insurance(1)
  • plano(1)
  • smart home technology(1)
  • deductibles(1)
  • republic auto insurance(1)
  • independent agent(1)
  • homeowners insurance coverage(1)
  • homeowner insurance(1)
  • smoke damage(1)
  • black friday tips(1)
  • republic auto texas(1)
  • value(1)
  • other insurance(1)
  • travelers(1)
  • insurance coverage(1)
  • auto insurance coverage limits(1)
  • estate administrator(1)
  • reputation insurance(1)
  • fireplace(1)
  • home and auto insurance(1)
  • insurance products(1)
  • inverter(1)
  • fire extinguisher home(1)
  • surety bonds(1)
  • earthquake(1)
  • copyright infringement(1)
  • homeowners insurance(1)
  • full coverage(1)
  • new address(1)
  • condominium insurance(1)
  • auto(1)
  • solar energy(1)
  • safeco mobile(1)

View Mobile Version
Logo
Quick Links
Home Our Products Customer Service Payment Options Report a Claim
About Us Refer A Friend Our Carriers Blog Contact Us
Location
4645 Wyndham Lane
Suite 220A
Frisco, TX 75033

Two blocks North of Main Street off Legacy Dr.
Phone: (469) 388-1443
Fax: (469-388-1444
Em: Steve@stevebuckleyinsurance.com
Social Social Social Social
© Copyright. All rights reserved.
Powered by Insurance Website Builder