Fire Damage

In less than 30 seconds a small flame can turn into a major fire. It only takes minutes for thick black smoke to fill a house or for it to be engulfed in flames. This type of damage is very serious and are more normally seen in kitchen where unattended food on the stove catches on fire damaging the kitchen. Most people think you need to burn the kitchen down in order to open a claim but thats just a misconception, you can open a fire damage claim if any structure was burned or suffered from smoke damage as well.

Pro Tip: File a fire report with the local Fire Department. This report will define the cause of the fire which helps the insurance company with a determination.