What Does Insurance Include As Fire Damage?

1/10/2019 (Permalink)

Commercial fire restoration in Levittown, PA

If your commercial space in Levittown,PA, recently sustained damage from a fire, you probably have some insurance claim details to consider. One of the most important steps you can take is figuring out what your insurance company allows as part of your fire damage coverage. Here are the main things that can be included in your claim.

Items Included With Your Coverage

Some of the items your insurance company will likely cover include, but are not limited to, the following:

• Office equipment, such as pencils, staplers and phones
  
• Furnishings, such as chairs, desks and breakroom tables
  
• Electronic devices, such as printers, computers or fax machines
  

The overall integrity of your structure will also be considered by your provider’s insurance adjuster. For example, if there are weak spots as a result of the fire, you will likely be able to claim them with your insurance company. Smoke odors and destruction may also be covered in many cases - this is true even if the fire damage stemmed from smoke and flames at a next-door building.

Important Note on Fire Mitigation

You will need to take steps to renovate your commercial building after speaking to your insurance company. Be careful when choosing who you work with if your insurance policy allows you to make your own choice. A reliable fire restoration service will employ professionals who arrive promptly, survey the damage and provide you with an honest and thorough remediation plan, whether or not they can help you themselves.

Business fires are a nightmare that no business owner should have to deal with. When you add in the headache of working with your insurance company to approve a fire damage claim, you really have a troublesome situation on your hands. Knowing what property is likely to be approved when you make a claim and knowing what a good restoration service can do to help you puts you in the best preparatory position possible.