Are You Covered for Fire Damage?

12/8/2017 (Permalink)

If you currently rent a house or apartment and you do not have renter’s insurance, please take the time to get a quote for this coverage.

Do you rent a house or apartment? Do you have renter’s insurance? Unfortunately, our franchise is frequently called to the scene of fires where tenants do not have coverage for their contents. No coverage means they risk losing everything they value in the event of a fire or other catastrophe. Fires are always terrible, but fires without proper insurance are heartbreaking.

Earlier this year, a fellow SERVPRO franchise was called to clean after a fire in a house. A short circuit caused an oven range fire that affected the whole house, especially the kitchen. Heavy soot covered all surfaces and contents, including cabinet and closet interiors.

Owner’s Insurance
The property owner had insurance to cover the building. Their certified fire technicians were able to clean the soot off the ceiling, walls, and floors. However, they could only clean the exterior of the cabinets and closets, because the insurance company and property owner would only agree to pay for their areas of responsibility.

No Tenant’s Insurance
The tenant was on the hook for any contents cleaning, but the tenant did not have renter’s insurance to cover the contents. Without renter’s insurance, any destroyed items were a total loss for the tenant. Even worse, if the tenant did not have the right training and materials for soot removal, there is a good chance the tenant damaged items that could have been restored by an experienced fire restoration cleaner.

Talk to Your Insurance Agent/Carrier
If you currently rent a house or apartment and you do not have renter’s insurance, please take the time to get a quote for this coverage. You will likely find the coverage is less expensive than you expected and well worth protecting everything you keep in your home.

Here at SERVPRO of Spencer & Iowa Great Lakes, we are committed to restoring property following a fire or flood. Please consider carrying the right insurance coverage to ensure we are able to make your disaster "Like it never even happened."