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Is Smoke Damage Covered by Insurance in Morris County?

Darric Mitchell • Dec 17, 2018
A home insurance file surrounded by a miniature house and a calculator - Restoration 1 of 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.

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02 Apr, 2020
Throughout Morris and surrounds, we have seen rapidly changing and evolving situations when it comes to virus updates. For the last decade, Restoration 1 of Morris County has specialized in bio-hazard cleanup, which means our certified experts are ready for all your virus disinfection and sanitation needs. Rest assured, our team is equipped with advanced equipment and trained on the latest techniques to clean up any type of bio-hazard. We are stocked with CDC and EPA approved cleaning agents to effectively clean and sanitize your floors, bathrooms, keyboards, shelving, door knobs, storage areas and all other surfaces people may have come in contact with. On top of this, we are fully trained and equipped with the proper safety equipment to reduce the risk of contamination or illness from any bio-hazard materials. The sooner we get on the job, the better. We offer 24/7 emergency services and flexible scheduling to work with your individual needs. Here’s How Restoration 1 of Morris County Will Complete a Virus Disinfection & Sanitation: Our team is certified by the IICRC (Institute of Inspection Cleaning & Restoration Certification) when it comes to disease cleanup Restoration 1 uses the approved CDC and EPA industrial-strength disinfectants to decontaminate and disinfect surfaces. We properly handle hazardous and infectious bio-hazard waste, such as infected materials Restoration 1’s cleanup technicians are always dressed in fully encapsulated personal protective equipment with a full-face respirator masks How You Can Prevent Virus and Disease From Spreading Stay Informed. We recommend that you check the following resources daily for the most up to date information: Centers for Disease Control: cdc.gov Google Blog: https://www.blog.google/inside-google/company-announcements/covid-19-how-were-continuing-to-help/ American Public Health Association: https://www.apha.org/topics-and-issues/communicable-disease/coronavirus/in-the-news World Health Organization: who.int Health Resources and Services Administration: https://www.hrsa.gov/public-health/index.html Your State and Local Public Health Websites, such New Jersey Department of Health For general questions about corona virus, call the Morris County Help Line at 1-800-222-1222.. Viruses often spread via human contact. They can also spread via respiratory particles that are left on surfaces and objects. These infected particles can come from coughing or sneezing. The particles can continue to live on a surface for weeks even after first contact. If someone else comes into contact with these particles, and then touches their face, mouth, nose or eyes without washing their hands, they are also at serious risk of contracting the virus. Avoid coming into contact with people, maintain a safe distance in social situation Do not shake hands or hug people Carry an alcohol-based hand sanitizer Wash your hands often with soap and water for at least 20 seconds especially if you feel you may have been in contact with infected particles Avoid touching your eyes, nose, and mouth unless you have recently washed your hands Avoid close contact with people who are sick and stay home if you are feeling sick, unless you need medical assistance Cover your mouth and nose when you cough or sneeze with a bent elbow Clean and disinfect frequently touched surfaces daily When it comes to virus disinfection, it’s better to be safe than sorry. Contact our Morris County branch today, on 973-810-4145. Disclaimer: Please be advised that nothing completely eliminates bacteria or viruses and these are efforts to contain and control the spread of a virus.
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