Is Commercial Smoke Damage Covered by Insurance?

1/12/2019 (Permalink)

Business fire in Hopkinsville, KY

After being exposed to smoke damage from a commercial fire in Hopkinsville, KY, your facility may feel like it will never be the same again. Soot damage and heavy smoke odors may permeate your once functional space. Find answers to some of the most commonly asked-questions about cleaning up after a commercial fire.

Why is Smoke so Damaging?

While a commercial fire is a probable concern for the average businessowner, many may fail to recognize smoke as one of the fire’s most destructive results. Smoke can be very hazardous to these commonplace objects:

• Electronics
  
• Furniture
  
• Standard surfaces
  
  

Smoke has a polarizing charge which can actually impact the magnetism of most electronic devices. Smoke contains particles made of solids, liquids and gasses. This means that when it settles it can permeate and attach to objects it lands on. That is why smoke tends to leave an ashy film on everything it touches. This sooty film is highly acidic. Soot damage may impact the rate at which objects decay causing them to break or malfunction much sooner than expected.

Does Insurance Cover Loss From Fire Smoke?

Luckily, the average commercial fire insurance policy takes into consideration the rapid degradation that results from smoke damage. The only way to know if your policy covers damage caused by smoke is to check with the insurance company directly. Some plans even account for damage received as a result of a fire at an adjacent business.

Can a Commercial Business Be Fully Restored After Exposure to Smoke?

Although the effects of smoke vary by case, fire restoration professionals in Hopkinsville, KY should be able to evaluate damages and begin the smoke cleaning process. Electronics, photographs, upholstery and more can often be returned to their original state. Look for a cleanup operation that offers key services like odor removal and surface restoration.

As you cope with the consequences of a commercial fire, turn to a professional to safely restore your business. Addressing smoke damage is the first step to achieving total restoration.