Uphando Forensics

Fire Damage and Your Homeowners Insurance: What You Need to Know

Fire damage can be a major headache when it comes to your home & building insurance. You may have spent a lot of money on your policy, but when it comes to covering fire damage, you may still have some issues. Here’s what you need to know about fire damage and your homeowners insurance.

First, it’s important to understand that most homeowners insurance policies do cover fire damage. However, there are a few things you should be aware of. For starters, not all policies are created equal. Some policies may cover fire damage in full, while others may only cover certain types of fire damage. It’s important to review your policy carefully to ensure that it provides the coverage you need.

Another thing to keep in mind is that even if your policy does cover fire damage, there could still be disagreements between you and your insurance company. For example, if your curtains have been damaged by smoke, the insurance company might feel that reimbursing you for a trip to the dry cleaners is sufficient. You might feel that they should be replaced. Conflicts like this can easily arise when it comes to fire damage.

It’s important to take the proper steps when filing an insurance claim for fire damage. Make sure to document the affected areas and items as best you can. Take pictures, if possible, and make sure to keep receipts for any expenses you incur. The more information you can provide to your insurance company, the better chance you have of getting the coverage you need.

Fire damage can be a major headache, but with the right information and preparation, you can make sure your homeowners insurance policy provides the coverage you need. Be sure to review your policy carefully and take the proper steps when filing a claim. With the right approach, you can get the coverage you need and get your home back to its original condition.


Regardless of how extensive the damage, dealing with the aftermath of a fire is stressful enough. You’re emotional, anxious, and trying to figure out how to put things back together. On top of all that, you’re going to have to deal with your insurance company to try to recoup the damages. Often, this is something that needs to happen before you can move forward. Here’s a few tips of how to make this process as painless as possible.

1. Document everything. As we’ve discussed, this is of the utmost importance.

2. Get in touch with your insurance company right away.

3. Get receipts, records, and reports from any service that comes into your home to-do work. This can include fire, smoke, and water restoration services and cleaning or contractors repairing any damaged walls, tile, cabinetry, etc.