What Fire Damage is Covered by Your Home Insurance Policy? -Naples, FL

In the event of a house fire, understanding your homeowners insurance policy can make the difference between a smooth recovery and unexpected financial strain. At All Service Adjusting Naples, we’ve worked with countless homeowners across Naples, FL, helping them navigate their policies, file claims, and recover the compensation they deserve.



Here's What Fire Damage Is Typically Covered:

• Structural Damage to Your Home
  Most standard homeowners policies cover repairs or rebuilding costs for damage to the structure of your home, including walls, floors, roof, and attached structures like a garage.
• Personal Property Loss
  Contents inside the home—such as furniture, clothing, electronics, and appliances—are usually covered up to a specified limit. Be sure to have an updated home inventory to maximize your claim.
• Additional Living Expenses (ALE)
  If your home becomes uninhabitable due to fire damage, your policy may cover temporary housing, meals, and other essential living expenses while repairs are underway.
• Detached Structures
  Sheds, fences, and detached garages may be covered, often at a percentage (typically 10%) of your home's dwelling coverage.
• Smoke and Soot Damage
  Even if flames don’t reach certain parts of the home, smoke and soot damage are usually covered, including cleanup and odor removal.

What May Not Be Covered:

• Intentional Fire
  Fires caused by arson or intentional acts by the homeowner are not covered.
• Poor Maintenance or Code Violations
  If the fire resulted from negligence or code violations, your claim may be partially denied.
• High-Value Items Without Riders
  Expensive jewelry, fine art, or collectibles may exceed your personal property limits unless you’ve purchased additional coverage.

Understanding the limits and exclusions in your policy is crucial. That’s where All Service Adjusting Naples comes in. As licensed public adjusters, we advocate for homeowners, assess the full extent of fire damage, and negotiate with insurance carriers to ensure you receive the maximum payout.

If your home in Naples, FL, has been affected by fire, don’t go through the insurance process alone. Contact us today for a free policy review or to discuss your claim.