What types of damage are covered by fire insurance?

Fire insurance covers a wide variety of damages resulting from a fire, but the exact protection offered can vary from policy to policy. In South Carolina, the most common types of damages covered by fire insurance include damage to property caused directly by the fire itself, smoke damage, and water damage from firefighting efforts. Fire insurance may also cover debris removal, additional living costs incurred due to displacement from the fire and other repairs to restore the home to its pre-fire condition. It may also provide coverage for damage caused by theft or vandalism after the fire. Additionally, some policies may provide coverage for loss of business income, loss of use of the property, and legal fees. It is important to read the details of your fire insurance policy carefully to understand the extent of the coverage available and what types of damage are excluded from coverage. If a particular type of damage is not specifically listed in the policy, it may not be covered, or the exact coverage for that type of damage may be unclear. Make sure to ask your insurance provider if you have any questions about what types of damage are covered by your policy.

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What types of damage are covered by fire insurance?

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