Written by Andy Gurczak

April 8, 2022

A Soot Damage Insurance Claim is Complicated

If you have had a fire in your home, your homeowners’ insurance company must pay the cost of repair for the damage to your home. However, you may not fully realize the extent of the damage to your home. That is because smoke, soot, ash and other smoke residues may have spread throughout the house. Indeed, smoke residue can get into rooms where there were no flames. Therefore, handling a soot damage insurance claim can be complicated and time-consuming.

Does Homeowner Insurance Cover Soot Damage?

The short answer is yes, you have insurance coverage for the damage smoke does to your home and contents lost in the fire. Dwelling coverage insures the structure of your home. That would include damage from the flames. It would also cover water damage by firefighters trying to put the fire out.

What Should You Do if You Have a Soot Damage Insurance Claim?

Once the fire is put out, make a record of the damage to your home. 

For instance, take whatever pictures you can of the damaged parts of your house. Additionally, take pictures of any damaged items in your home. This includes furniture, carpeting, appliances, etc. 

Your fire insurance will also cover water damage done during the firefighting efforts. If there is water damage to the interior of your home, get pictures.

Moreover, if firefighters had to break down doors or put holes in walls, take pictures.

You have to file a claim within a certain time. Therefore, review your insurance policy to see what the filing deadlines are. Or simply call your insurance agent. She can tell you when you have to file the claim.

You want to start the claim process as soon as you can. As an example, you may need professional cleaning companies to clean your house. They have specialized cleaning equipment to clean up soot, ash and other smoke residues. In addition, they have personal protective devices for the clean-up; soot and ash can be harmful. 

Your fire insurance will cover those costs.

Similarly, you made need the services of professional restoration companies. Once again, your homeowners’ insurance will cover restoration costs.

What Types of Smoke, Soot and Ash Damages Are Covered in a Smoke Damage Insurance Claim?

There are various types of damages that smoke can cause throughout a home that your fire insurance will cover.

Structural damage

Smoke is often very hot and can cause damage to the structure of your home.

Additionally, smoke can often be very acidic. Smoke can come into contact with metal, such as doorknobs and kitchen fittings. At the very least, smoke can tarnish the metal. However, in a worst-case scenario, smoke can corrode metal, such as piping in your home.

As another example, smoke can get behind walls and into ceilings. It can discolor walls and ceilings. Moreover, it can get into insulation and cause an odor. As a result, a contractor may have to knock down walls and ceilings to replace the insulation.

Soot and ash damage

Smoke, soot and ash can spread throughout a house during a fire. They can make into parts of the house that flames never touched. Indeed, you can even get smoke damage in your house if a nearby neighbor has a house fire. 

Smoke, soot and ash can work their way into carpeting, clothes, furniture, upholstery and drapes. In addition, smoke can damage plastics and marble countertops. Likewise, smoke can damage both the outside and inside of appliances.

If You Need a Public Adjuster for a Smoke, Soot and Ash Damage Insurance Claim, Call AllCity Adjusting

We are a family-owned claims company with five decades of combined adjusting experience. As a result, if there’s one thing we understand, it’s that you need 100% of your claim value.

You have already gone through a tumultuous event. For this reason, get an agency that gets you more.

At AllCity Adjusting we work to ensure you get 100% of your smoke damage insurance claim value. Equally important, with over 50 years of combined experience as insurance adjusters, we know insurance companies and understand where they cut corners.

Moreover, we help you build a larger claim and maximize your claim value. Indeed, we get you back to normal fast.

Lastly, don’t get fooled. Get the company that gets you more.

Does Insurance Cover a Soot and Ash Contamination Claim?

You bet it does. At AllCity, we have handled hundreds of smoke damage claims.

Therefore, if you have received a low-ball offer from the insurance company, or they are taking too long to process your smoke damage insurance claim or you just want to talk to someone on your side, call us at 844.692.3587. Or you can email us at info@allcityadhjusting.com.

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At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.

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Salvageable v. Non-Salvageable Property After a Fire

Salvageable v. Non-Salvageable Property After a Fire

If a fire has occurred at your home, your first concern, of course, is the safety of yourself and your family. However, depending on the extent of the fire damage, you will have to resolve the issue of salvageable v. non-salvageable property after a fire. Homeowners’ insurance protects your home itself (Dwelling Coverage) and its contents (Personal Property Coverage). High heat, smoke, and soot can cause extensive damage to your personal property, such as clothes, furniture, hardwood floors, and appliances. For instance, smoke damage causes fabrics, clothes, and soft goods to reek of the smell of smoke. Additionally, smoke and soot can discolor objects and reduce the life span of electronics and machinery. Consequently, you and your insurance company will have to determine which personal property is salvageable v. non-salvageable property after a fire.

Actual Cash Value v. Replacement Cost Value

Actual Cash Value v. Replacement Cost Value

Many homeowners never read their homeowners’ insurance policy. Then a covered loss, like a fire or hurricane, causes extensive damage to the home and contents. Of course, the homeowner files a claim with her insurance company. Eventually, the homeowner gets a claim settlement offer from the home insurance company. However, only then does the homeowner learn the difference between actual cash value v. replacement cost value coverage.

What is an Appraisal Clause in an Insurance Policy?

What is an Appraisal Clause in an Insurance Policy?

Water damage insurance claims are some of the most frequent home insurance claims that homeowners file. However, homeowner insurance does not cover all types of damages caused by water. Therefore, handling water damage insurance claims requires the homeowner to be careful and diligent before and during the claims process.

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Unfortunately, a terrible storm moved through your area. It left fallen trees and damaged homes in its wake. Your house was one of them. You have never filed a claim with your homeowners’ insurance company. But you now have a homeowners’ property damage claim-do you need an attorney?

How to Negotiate a Fire Damage Insurance Claim

How to Negotiate a Fire Damage Insurance Claim

One of the most traumatic events experienced by homeowners is a fire in their homes. Certainly, the potential for serious injury can be significant. However, the relief that no one was harmed soon fades away as the reality of the property damage sinks in. Now, one key question for the homeowner will be how to negotiate a fire damage insurance claim settlement.

Insurance Claims for Poorly Installed Stucco

Insurance Claims for Poorly Installed Stucco

Stucco is a popular siding used on new developments, homes, and businesses since the early 1900s. Manufacturers make it of cement, limestone, and silica. In fact, it has become very popular in the last 20 years. However, when not installed properly, it can lead to several problems. Therefore, some homeowners will have to file insurance claims for poorly installed stucco.

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