When Dealing With Smoke Damage Insurance, Here Are Some Pointers

8/5/2022 (Permalink)

Recent fire in downtown Terre Haute Indiana

Every commercial building owner needs to have insurance in the event of a disaster. Smoke damage could force your business to shut down operations. Even if you need to close for just a week, it could be enough for you to lose out on significant revenue. A thorough insurance policy can help tremendously with smoke cleaning costs and other essential expenses, and here are some tips for making sure you can have peace of mind in the event a fire ever occurs on your property in Vigo County.

1. Make Sure Your Insurance Covers Fires

All insurance policies are different. You need to make sure your specific policy covers fire damage. If you are presently unsure of what your policy covers, then you need to contact your agent to double-check. In the event you do not have any insurance that covers property damage, then you need to add it to your policy posthaste.

2. Be Detailed With Damage Documentation

A fire of any size will most likely cause some amount of smoke damage around the property. This documentation should include:

• Location of damage
• Overall condition of the building
• Description of damaged items
• Date damage occurred
• Any injuries involved
  
  

You will need to provide all these details within a certain amount of time, so do it as quickly as possible. Make sure to take plenty of photographs as evidence.

3. Pay Professional Cleaning Experts

Another thing to take care of right after a fire to handle soot damage is to hire a professional remediation service. Without an expert, more damage could occur, and your insurance may not cover damage that technically occurs further down the line. Ultimately, you should pay for the cleaning service, and have your insurance agency reimburse you later.

You may not be able to prevent every fire, but you can increase your chances of recovering more successfully. Having a thorough insurance policy will be a major asset if you ever need to pay for smoke damage repairs.