What types of damage are covered by fire insurance?

In California, fire insurance claims law dictates that the policyholder is covered in the event of the property sustaining damage due to a fire. Generally speaking, this type of insurance covers physical damage to the property caused by fire, smoke, and other materials used to put out the fire. It may also cover the cost of clearing debris and removing ash and soot after a fire. Additional coverage may include compensation for any damage caused to personal property and fixtures as a result of the fire. In some cases, the policyholder may be compensated for the loss from fire-related damages even if the fire did not physically damage the property. This may include losses due to smoke and water damage from the efforts to extinguish the fire, as well as any damage to the adjoining property due to the fire. The details of the fire insurance policy determine the level and extent of coverage for the insured. For example, some policies provide coverage for damages caused by arson, and some policies list exclusions. Additionally, certain policies may not provide coverage for items and fixtures that are considered to be “extra-hazardous” or particularly vulnerable to fire. To ensure that you receive the maximum coverage available, it is important to read the policy and understand what types of damage are covered.

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What types of damage are covered by fire insurance?

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