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Fire & Water - Cleanup & Restoration

Why Your Home May Not Be Covered by Insurance for Fire

12/27/2018 (Permalink)

House fire in Washington, UT

Having an insurance policy on your home in Washington, UT, is necessary to prevent devastating financial loss from fire. Many insurance companies define two exceptions to home fire coverage: intentional fires and vacant properties. You may need to talk with your agent to learn more about these exceptions if you have any of the following:

  • A vacation home
  • Split residency
  • A house for sale

Have recently combined assets, such as through marriage
It’s easy to recognize arson as a good reason for coverage to be void, but it’s a pretty big surprise to most people that their property may be considered a vacant home and excluded from their insurance policy.

Vacant Homes

While each company has a different definition of what constitutes a vacant home, most use a pretty aggressive period of just 30 days. That means, if your property is empty for 30 days or longer, you may not be covered even in the case of an accidental vacant home fire. This is a big surprise to many people, but the good thing is that you can purchase additional coverage for a vacant home.

Insurance Coverage for Fires

Most home insurance policies provide appropriate coverage, especially in the case of a home fire. Make sure your policy includes the following coverage:

  • Financial recovery for structural damage and repairs
  • Liability for accidental fires from neglect
  • Loss of use coverage allowing for the cost of a hotel or rental while your home is rebuilt or repaired
  • Personal property protection

Making sure your vacant property is covered is as simple as a phone call to your agent. Insurance companies are savvy enough to prevent people from exploiting claims through fraud, so they ensure a proper investigation is done each time a claim is filed designating fire as the source of the damage.

If you have had a home fire, you can count on a fire remediation specialist to assess the damage and manage the recovery process. When a company’s experience revolves around disaster recovery, you are sure to get the best knowledge and skill to ensure the job is done efficiently.

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