Fires in or around your home can be devastating. A fire is a traumatic incident, and regardless of its location, you feel glad to have gotten out of your home safely. However, sometimes the fire doesn’t happen inside your home; it happens outside of it. In this case, you’re probably wondering if you’re covered by insurance in case of damages.  

In the following article, we’ll look into the instances that are covered by your insurance company and what you should do to avoid fires.  

Fire Outside My Home; Am I Covered? 

The simple answer is that it depends on your insurance. If you own the home and have homeowner’s insurance, ask your insurance carrier to cover any damage that the fire may cause. It might not cover something like your garden getting caught on fire. However, if you have a fire in a detached structure like the garage or a carport, the homeowner’s insurance generally covers the damage caused by it. You may want to look into your policy before you claim the insurance. In most cases, someone will inform you about the process so that you can claim it. 

How Does Home Insurance Cover Fire and Smoke Damage? 

Fire insurance is covered in all types of home insurance policies. You will find that it is covered in even the weakest policies like HO-1 all the way up to HO-5. 

Your insurance company has to cover your claims even if the reason behind the fires is not mentioned. Thus, even if a fire accidentally starts for instance when having a barbeque party outside your home, it still has to be covered. Additionally, if the fire occurs due to a natural disaster, the insurance company is still liable to cover the costs.  

Fire damage also generally covers more than things that get destroyed by fire; it also covers smoke damage. When the fire is intense, it can lead to a lot of smoke, and that smoke can cake onto your walls and create a lot of damage. Standard home insurance policies also cover most of the damage done via smoke. 

Can I Buy Standalone Fire Insurance? 

Yes, you can. Sometimes people don’t trust that their home insurance policy will cover the extent of the damage that a fire may cause, which is why they choose to buy standalone fire insurance. If you think that there is a greater fire hazard in your home and you want to protect your valuables, you have every right to do so, and we recommend it. Some companies offer exclusive fire insurance and call it ‘dwelling fire’ insurance. It offers insurance against fire, smoke, explosions, and sometimes even wind.  

You may buy a standalone insurance policy for a home that’s a little older. Some people also find it easier to insure a second vacation home with this type of insurance instead of buying home insurance with it.  

Insuring High-Risk Homes 

Certain homes have a greater risk of fires than others. These homes could be too far away from the fire department, such as homes close to bush areas or homes that are near canyons which can vortex winds and thus exacerbate any wildfire. If you have a home of this sort, your insurance company can reject your plan. If you can’t find any plan, don’t fret. There are certain FAIR claims you can purchase to protect your home better. These high-risk homes are most prevalent in California, and so if you live there, you may want to take out an insurance policy.  

Georgia Fire Claims for Your Fire Insurance Needs 

Sometimes, your fire claims can be too much for you to handle. Your insurance company might create problems for you and may not be willing to give you the insurance money you need; this is where your public adjuster steps in. Georgia Fire Claims has been in the fire claims business for a long time and will help you process your fire claim to get your insurance money as soon as possible. The fire claim process is long and arduous, and you want people who know the ins and outs of the game. Georgia Fire Claims is one such company. 

You’re likely already stressed because of the possibility of fire damage in and around your home. At Georgia Fire Claims we understand your concern. Contact GA Fire Claims now if you want someone to take care of your fire insurance worries! 

You can get a fire claim quote at (833) 899-FIRE or you can send us a message at [email protected]