What happens if some of the damage is caused by a fire and some of the damage is caused by another event?
In South Carolina, if some of the damage to property is caused by a fire and some of the damage is caused by another event, the amount of damage and the cause of the damage that is covered by the fire insurance claim will depend on what type of insurance coverage the policyholder has and the type of policy the policyholder has. Typically, in South Carolina, a fire insurance policy will cover damage caused solely by fire, but will not cover damage caused by other events such as flooding, storms, or vandalism. If damage is caused by more than one source, the policyholder may need to purchase additional coverage in order to get the coverage that is needed. For example, if flooding and a fire occur, the flood insurance may cover the flooding damage and the fire insurance may cover the fire damage. It is important for policyholders to read the fine print in their policy to determine what is covered and what is not covered. In general, if damage is caused by more than one source, the policyholder may need to file separate claims for each source. It is important to note that fire insurance coverage is not intended to cover damage caused by another event, such as flood or hail. Policyholders should contact their insurance company to determine if additional coverage is needed.
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