The Types of Fire Damage Insurance Will Not Cover
Not all fire damage is covered by home insurance. Insurance companies figure out the cause of the fire and evaluate any special circumstances. Your home in Denver, CO, can be denied coverage if it is classified under any of these criteria. Understanding the process for a home fire insurance claim will allow you to know when to not expect compensation.
What Is Typically Covered?
To know the types of claims that are denied, it should be understood what are typically accepted claims. Insurance policies cover events that are caused by one of many usual causes:
- Cooking flames spreading
- Candles gone awry
- Defective appliances
- Electrical malfunctions
- Any other fires caused by accident
While these sources are covered, it is important that the fire is also unintentional.
Intentionally Setting a Fire Puts Your Compensation in Flames
While it may seem like a smart move to burn a house down to start anew with the compensation, it will not work. Because of this possibility, insurance companies will send a professional team to investigate damaged property to piece together what happened. If the insurance can determine that a home fire was set intentionally, a claim will be completely denied.
Not only is the insurance claim denied, but arson is also a prosecutable crime that additionally puts property owned by others at risk. When the money never comes, potential fines from convictions and civil lawsuits from neighbors hurt even more.
A Vacant Residence Means No Coverage
If a house has been uninhabited for a length of more than a month, it is considered vacant. With typical coverage, a vacant home fire is not covered if the insurance company can prove the home was unoccupied for an extended time. There are, however, special plans that cover properties that are uninhabited for a long period.
Restoration Regardless of Coverage
Even in cases where insurance decides to not offer compensation, fire damage to your home and property can be cleaned by consulting a professional fire cleanup company. Regardless of your insurance claim, a home fire doesn’t have to claim all of your property.