Questions about coverage
- Does my policy cover smoke and ash damage when the fire didn't reach my property?
- Is attic insulation, ductwork and the HVAC system included in a smoke claim?
- Are contents cleaning, dry cleaning and laundry costs covered?
- Does additional living expense apply while the house is being cleaned?
- What is my deductible for this type of loss?
- Are trees, landscaping and fences covered for smoke or ember damage?
Why smoke claims need extra documentation
A burned room speaks for itself. A smoke-exposed house that looks normal in photos can be met with skepticism, especially when many claims come in at once after a large fire. Your record of what you saw, smelled and found, with dates, often matters more than any single photo.
Ask for an in-person inspection if the first offer is based only on photos or a phone call. Mention specific findings, such as ash in the attic or odor that follows the furnace, and ask that the adjuster check those spots. If the insurer relies on a lab or air test, ask for a copy of the results and the method used.
Keep a claim log with these entries
- Every contact
- Date, name, and what was said or promised
- Claim number
- On every email, document and receipt
- Photos and video
- Dated, labeled by room, before and after cleaning
- Expenses
- Hotel, meals, laundry, supplies and mileage, with receipts
- Written scopes
- Each estimate and inspection report you receive
Questions about process and disputes
- Who is my adjuster, and how do I reach them directly?
- Will you send a written explanation if you deny any part of the claim?
- Can I choose my own restoration contractor?
- If I disagree with your estimate, does my policy include an appraisal process?
- How much time do I have to complete repairs and submit receipts?
Common questions
- Should I wait for the adjuster before cleaning anything?
- Take care of safety and urgent protection first, such as covering broken windows and discarding spoiled food. Photograph everything, then ask the insurer whether they want to inspect before broader cleaning begins.
- What if my neighbors' claims were paid and mine was not?
- Policies, deductibles and the damage itself can differ from house to house. Ask for the denial reasons in writing and compare them with your own documentation before deciding on next steps.
General information for Colorado Springs, not a quote or professional advice. In an emergency, call 911.