fire damage coverage

Homeowners insurance does cover fire damage — fire is a foundational covered peril in virtually every standard policy. What it covers includes the structure, personal property, and additional living expenses while repairs are underway. What requires attention is smoke damage, which is often underestimated by adjusters, and water damage from firefighting, which must be dried within 48 hours. This LA guide covers the full fire damage claim process and what an IICRC-certified restoration team documents on your behalf. Call (818) 336-1800.