What happens if some of the damage is caused by a fire and some of the damage is caused by another event?

If some of the damage to property in California is caused by a fire and some of the damage is caused by another insured event (such as vandalism, theft or another type of accident), then the fire insurance policy may still cover the damages. The policy may cover part of the damage, covering what is known as the "proportional share". The insured is responsible for the amount of damage and repair costs that are not covered under the fire insurance policy. This can mean paying a deductible or out-of-pocket expense, or simply not being able to recover a portion of the damages. It is important to note that the fire insurance claim process in California is highly regulated, and policyholders may be entitled to compensation for any damage they suffer due to a fire. Therefore, it is important to contact an experienced insurance claims lawyer to help ensure that policyholders receive full compensation for their losses. Additionally, policyholders should review the terms and conditions of their fire insurance policy, as some policies may not cover certain types of damage or may have special exclusions for certain events. For example, some policies may not cover certain types of damage caused by water or smoke and others may only provide coverage for certain events. It is important to understand the details of a policy in order to make sure that the policyholder’s losses are covered.

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What happens if some of the damage is caused by a fire and some of the damage is caused by another event?

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