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

In Oregon, if some of the damage is caused by a fire and some of the damage is caused by another event, it is important to determine what percentage of the damage is due to the fire. Depending on how damages are assessed, the fire insurance policyholder may be eligible for coverage of the damage that is due to the fire. The policyholder may also be able to recover some of the losses for the damage caused by the other event, such as storm damage, depending on the language in the policy. If an eligible policyholder files a claim for fire damage, the insurance company will typically investigate the claim to determine the cause of the damage. The company will often send an adjuster to inspect the property and assess the damage. The adjuster reviews the policy to determine what is covered and may request a copy of a police report or other documentation. Depending on the policyholder’s agreement with the insurance company, some of the damage might be covered by the fire insurance policy if it is determined that the fire is the primary cause of the damage. If the fire is determined to be a secondary cause of the damage, the policyholder may need to file a separate claim for the portion of the damage that is due to the other event. In conclusion, the insurance company will investigate the cause of the damage and determine what portion of the damage is covered by the fire insurance policy. If the fire is determined to be a primary or secondary cause of the damage, the policyholder may be eligible for coverage.

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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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