If your home catches fire, the smoke damage can be just as devastating as the fire itself. Smoke can quickly infiltrate every area of the home, making it hazardous to live in. In many situations, home insurance will cover the cost to repair or replace damage caused by smoke.

At All Counties Insurance Agency & Traffic School, we help homeowners in Palm Coast, FL, choose the home insurance that fits their needs.

When Does Home Insurance Cover Smoke Damage?

Smoke damage is a typical component of the property coverage under your home insurance. Your policy should cover your losses if the cause of the damage was a covered event, like a fire. For example, if a fire started in your home due to a lightning strike, the policy may cover the damage from the fire, the water used to put out the fire, and the smoke damage to your home. It may also cover smoke damage if vandalism or other unforeseeable incidents caused it.

There are limitations based on the type of policy you have. Most home insurance policies do not protect against smoke damage caused by intentional actions by you or someone else living in your home.

What Your Policy May Cover

If your home is damaged by a fire, your home insurance will likely cover the replacement or repair of household items and appliances. If repairs are possible and financially sensible, the insurance will cover them. Otherwise, it may pay to replace lost items, depending on the type of coverage you have.

If you have questions about your home insurance in Palm Coast, FL, contact our team at All Counties Insurance & Traffic School for guidance.