Smoke Damage

Whether a fire occurs on your property or your neighbor’s, smoke can cause extensive damage.  It can ruin almost everything in your home or business, including furniture, computers, art, clothes, machinery and more.  The property may not even be inhabitable.  When it comes to smoke damage, recovering the full value of your property from the insurance company can sometimes be an uphill battle.

You don't have to accept the insurance company's response to your smoke damage claim. A knowledgeable attorney can negotiate with your insurance company to seek a settlement that truly covers the expenses you face, or argue why your claim should not be denied. If the insurance company refuses to cooperate, he can take them to court to get the payment you deserve.

Whenever there is a fire, the smoke spreads quickly. If the fire occurs in your home or property, the smoke will spread throughout the building, even if it's just a small fire that does not otherwise substantially damage your property. Smoke can easily travel to every crevice in every room, invade closets, and go under and around closed doors.  In other words, it can damage your property inside and out.

Damage by smoke is a common named peril in Florida property insurance policies. A named peril means the type of damage is specifically listed in an insurance policy as something the policy will cover.  This makes it more likely that your smoke damage will not be denied outright, but don’t simply accept the valuation an insurance company gives you for the damage to your property if you think you’re being undercompensated.