Watching your house slowly burn is traumatizing. Fires can destroy large portions of your home, resulting in smoke damage, ruined belongings, and making the house uninhabitable for a short period. Home insurance may be able to help Ft. Worth, TX homeowner.

Standard Coverage

Most policies automatically include certain events, known as covered perils. Accidental fires are typically included. It’s important to speak with an experienced representative here at Main Street Independent Insurance Agencies Inc. to learn more about your coverage.

Payment for Damages

Most policies will help cover fire-related damage. A portion of your coverage is often reserved for personal belongings, such as furniture or appliances. Policies will also cover structural damage, such as damage to walls or the flooring.

In many cases, a policy will cover the cost of hiring professionals to help with smoke damage, too. Your policy will have a coverage limit, which is how much the provider will cover. It’s important to work with your insurance company to understand your coverage limit before hiring professionals or purchasing new appliances.

Temporary Lodging

Some policies will reimburse temporary lodging costs. Whether this coverage is included depends on the company you work with and your specific policy. Usually, the house must be declared unsafe by professional authorities, such as the fire chief or sheriff.

Temporary lodging coverage may have limits, such as only covering a comparable Airbnb or a basic hotel room. You likely won’t be able to get a personal suite with a jacuzzi.

We understand how difficult this time can be for families. Contact agents here at Main Street Independent Insurance Agencies Inc. to learn more about your coverage. We’re currently serving the Ft. Worth, TX area.