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There’s more to fire damage than meets the eye. Fire can also cause hidden damages that can be hard to detect. The two main culprits: smoke/soot damage, and water damage. Knowing about these additional impacts on your property, and how to take care of them, helps ensure you’re reimbursed appropriately for your claim.

Building codes are in a constant state of evolution. Advancements in engineering, technology, safety, building materials and methods, and changes in the physical environment all drive changes in building codes. If your fire-damaged home is 10 or more years old, complying with the current building codes may add substantial cost to your reconstruction. Will you be stuck with the bill?

There’s a long list of things to consider when it comes to deciding whether your fire-damaged home can be repaired, or if it needs to be razed and rebuilt. Your insurer is likely to push hard for the lowest-cost option, but this bare minimum may fall short of what you actually need and what your homeowners policy promises.

When you suffer a house fire, your insurer begins the process of calculating how much they will offer for your damaged personal property loss based on whether the property is deemed salvageable or non salvageable. The category each item falls into has a substantial impact on how your property will be covered under the terms of your homeowners insurance policy.

Experts are finding insurance coverage for business interruption losses related to Covid-19. Here’s what you need to know and what to do next to find out if your business is covered.