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Fire & Water - Cleanup & Restoration

Is Smoke Damage a Claimable Loss?

10/26/2021 (Permalink)

collage pictures of a fire in a warehouse Smoke damage in a warehouse.

Is Smoke Damage a Covered Loss?

Smoke damage is usually a covered loss in many commercial property insurance policies. Even if the fire that led to smoke or soot damage in your property in Shrewsberry, MO occurred in an adjacent business, your insurance should still pay out when you have smoke cleaning performed. If you want to eliminate all traces of smoke in your business or property, here are three steps that you can take to have the air quality restored.

1. Check with your insurer. Some commercial property insurance policies include coverage for damage caused by smoke. Other policies may not have this coverage. Before you schedule commercial cleaning or remediation services, you should check with your insurance provider and make sure that they will cover most, if not all of the cleaning costs with the company that you are considering to hire.

2. Schedule a smoke damage consultation. A consultation with a restoration company that specializes in cleaning up smoke can help you determine the extent of the cleaning process. Experts can inspect your business or commercial property and come up with a plan that will get rid of every trace of smoke or soot damage.

3. Have smoke cleaning performed in and around the property. Smoke cleanup may involve dry or wet cleaning of hard non-porous surfaces and the use of a machine such as an industrial air scrubber, thermal fogger, or an ozone or hydroxyl generator. Each of these machines has different requirements in terms of whether or not evacuation is necessary, side effects, and the duration of the cleaning process.

If you have recently experienced smoke damage in a commercial property located in Shrewsberry, MO, you should start the cleanup process by asking your insurance company about your options. Once you know which restoration companies and services are covered by your commercial property policy, you can make the best decisions regarding restoration.

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