Blog - Restoration 1 of Morris County
CONTACT US TODAY
Is Smoke Damage Covered by Insurance in Morris County?
Often, fire damage can be astronomical in homes. Not only do flames devour much of the property and its contents, but the smoke can also destroy items and compromise the safety of the area.
Because there is a high risk of seasonal wildfires in New Jersey , as well as many other causes of residential fires, it’s important that residents know how they can recover from such a traumatic disaster.
Fortunately, your homeowner’s insurance will likely step in to help cover the cost of damages caused in the fire. However, what is covered will depend largely on how much of the home was compromised by the fire. The main difference is drawn between claims with “partial losses” and “total losses.” Usually, people are dealing with a situation where their home has been partially destroyed. In this case, the insurance company will inspect the home and determine what steps need to be taken.
Wondering About the Smoke Damage?
After a fire is put out, the smell and aftermath of all that smoke can linger for weeks on end. Luckily, most homeowner’s and renter’s insurance policies do cover smoke-related damagesin New Jersey. The extent of the repairs needed due to the smoke will depend on the size of the fire, the types of damage, and where the incident occurred.
How Much Does Smoke Damage Usually Cost to Fix?
Usually, homeowners pay an average of $2,950 in total for the repairs and restoration services needed after a smoke-damage incident. However, this number can fluctuate dramatically depending on various circumstances. That’s why it’s so important to have a good insurance policy that will cover your costs after a disaster.
What About the Health Effects of Smoke?
If you or someone in your family suffers from asthma or other respiratory concerns, it’s important that you let your insurance adjuster know as quickly as possible. This could impact what the adjuster recommends in terms of cleaning up the smoke. It could also increase the need for an entire HVAC system inspection to ensure that all of the smoke, ash, and debris have been properly cleared out.
At Restoration 1 of Morris County, we know that working with your insurance company can be challenging and complicated. That’s why we’re willing to speak to any adjusters and work with the company as needed while we restore your home to its original, safe state. Whether it’s water damage or the aftermath of a fire, we treat all of our restoration cases with the utmost urgency and care.
To learn more about Restoration 1 of Morris Countyor to report a disaster, call 973-810-4145at any time on any day of the week. Our team of restoration experts is always standing by.
