Situations When Your Insurance Won’t Cover a House Fire

7/6/2021 (Permalink)

Fire damage in Indian Hill, OH.

Do you ever get frustrated making that monthly insurance premium payment? You may spend a fair amount of money on homeowner’s insurance, but if the time comes when you need to use it, you’re grateful for the coverage it provides. Insurance can give you peace of mind and save you from financial ruin. Take a home fire, for example. Your homeowner’s insurance will cover the cost of loss in a fire in most cases. There are only a few situations in which you’ll be out of luck.

Unusual Circumstances

Let’s get the most uncommon issues out of the way first. There are a few events where your policy wouldn’t cover a fire at your Indian Hill, OH, home, but the chances of these are extremely small. Still, it’s helpful to know that you are on the rare and unfortunate end of these situations that you’ll have to seek help in some other way.

• Nuclear Blast. If this happens at our near your home, there are more widespread things to worry about. But your policy won’t cover it.
• Act of war. If a home fire starts as a result of an invading army, you can’t rely on your insurance for help.

Intentional Fires

Under no conditions will any insurance company ever cover a fire that started from arson. People sometimes try this method to get money from their insurance. This act won’t just leave you with damage or potentially no home, but it’s punishable with prison time.

Vacant Building

Your homeowner’s policy won’t cover fire damage if it occurs when your home was vacant. Usually, this means you haven’t occupied it for more than 30 consecutive days. You can purchase additional insurance in these cases in the event a vacant home fire causes damage or destroys the structure.

If you need further information about cleaning up after a fire, contact an expert restoration specialist. You should also become familiar with your insurance policy and understand to what extent it will cover a home fire.