Is Smoke Damage At Your Riverside Commercial Property Covered By Your Insurance?

1/1/2025 (Permalink)

This fire broke out in an abandoned building next door to this commercial warehouse. We were there to handle the smoke and soot damage!

Does Your Insurance Cover Smoke Damage?

Has your commercial building or one adjacent to yours recently sustained fire damage?  Are you left dealing with smoke-related damage, and worried about making a claim with your insurance company? Is smoke damage a covered loss? Read on to learn everything you need to know about smoke claims to put your mind at ease.

Soot Damage and Insurance

In most cases, damage from smoke will be covered by your commercial insurance policy. This is also the case if the fire occurred in a facility right next door. However, there are some steps you need to take to properly file your claim and increase the chances of it being covered. They are as follows:

1. Contact your insurance company to report the smoke damage and file a claim.
2. Assess your loss and prepare a smoke cleanup plan with the help of professionals.
3. Record proof of any damage and repairs through photographs, receipts and other documents.
4. Prepare for the insurance adjuster to arrive for surveying purposes.

Following the steps above will increase the chances of restoring your property. Having a solid plan in place will also make it more likely that your insurance company will approve your claim.

Smoke Cleaning Assistance

When a fire damages your business or commercial property, our fire damage and large-loss specialists are equipped to handle smoke and fire damage in all types of commercial spaces to minimize disruption.

• Water removal from firefighting efforts
• Smoke damage and soot removal
• Commercial cleaning including carpet, upholstery, and window treatments
• Commercial large loss services

Creating an action plan for cleanup is one of the most important steps of this entire claims and restoration process. A reliable source is SERVPRO of West Riverside City, we are a commercial fire and smoke damage restoration company.  We arrive on scene during fire emergencies, assess the situation and help you build a cleanup plan that will include reducing odors and eliminating smoke from your building.

Smoke damage isn’t always easy to deal with, and communication with your insurance provider can be even more frustrating. Following the steps above and knowing where to turn for cleanup help can make your business’s post-fire future more positive.

Contact us at 951-351-8033, for a free inspection, we'll help explain the process and take the stress off you during a time of uncertainty.