3 Times Fires Aren’t Covered by Insurance

10/24/2018 (Permalink)

If you have experienced a home fire in your Bonsall,CA, home or want to be prepared if one should ever occur, you may be wondering if there are fires that are never covered by insurance. As a matter of fact, there are three types of fires that are not going to be covered by an insurance company to compensate for damage. Read on to learn what these types are.

1. Insurance Fraud

If you attempt to make a claim on a fire that was set deliberately to get insurance money for the incident, your insurance company will not cover it. An adjuster will thoroughly inspect your property for any suspicious evidence.

2. Arson

Insurance fraud as mentioned above is one kind of arson. A home fire that is purposely set either for a specific reason or due to a homeowner’s fascination with flames would fit this description. An insurance company will immediately deny coverage if anything the adjuster finds indicates foul play. Always take the high road and do not set a fire for unethical reasons.

3. Vacant Home

A vacant home fire will not be covered by your homeowners insurance. Generally speaking, if an insurance provider can prove that your home was vacant at the time of the fire and for 30 days prior to the occurrence, your claim will be denied.

A home fire cannot always be avoided; accidents happen. If your fire was completely unintentional and your home was occupied when it occurred, your claim should meet your policy’s coverage terms. It is still a good idea to check your policy documents and call your home insurance agent to make sure that you understand what types of coverage you have and what types you do not. He or she will also be able to explain the claims process and set you up for better success when seeking financial help for your loss.