Smoke, but No Fire- You Could Still Be Covered by Insurance

3/8/2022 (Permalink)

Smoke damage in a Summerlin, NV property.

Smoke Damage - Where Can This Happen?

There are plenty of instances in which you could experience smoke damage without having had a fire occur on your property in Summerlin, NV. If you have fire insurance, this may still be included in your coverage. What are some real-world scenarios where you could see this happen?

Wildfires

Depending on where your property sits, wildfires could be a recurring issue, especially during the summer fire season. A large wildfire can spread smoke for miles and cause soot damage to nearby structures. You may need to consider cleaning the soot out more than once throughout the season, so it does not build up or sit, causing more destruction. There are a handful of ways you can help reduce your building's exposure to wildfire smoke:

• air filters
  
• room air cleaners
  
• humidifiers
  
• tightly sealed windows and doors
  
  

Trouble With the Neighbors

Most people wish the best for their neighbors, but sometimes the worst happens. If you happen to be located nearby when a fire strikes, your commercial property may also be affected- smoke damage is likely. If you are close enough, you may also experience damage from fire suppression materials like water, foam and pressurized hoses. You could attempt to coordinate with your neighbors and use the same fire remediation service after calling your insurance.

Kitchen Mishaps

Not everyone can be a chef, no matter how hard you try. Another common occurrence of smoke damage, especially in the kitchen, is from small kitchen fires or burnt food. While one individual incident may not cause a lot of visible smoke, over time and with accumulating occurrences, soot can build up enough to require a more thorough smoke cleaning.
Even if you've managed to escape having any fires, you may still experience the damaging effects they cause. However, if you are protected from fire in your insurance policy, smoke damage can easily be taken care of. It's a good idea to give your insurance company a call to clarify if you are unsure.