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Fire & Water - Cleanup & Restoration

Why Arson and Unoccupied Fire Claims Are Denied

10/10/2019 (Permalink)

Home destroyed by fire with caved on roof Home unoccupied in Niwot, CO damaged by fire

A home fire is a devastating event. The loss of personal belongings, possibly a lifetime of memories, going up in flames is irreplaceable. If the fire was caused by arson or happens when your home in Niwot, CO, is unoccupied, there is a chance your claim will be denied, making it impossible to replace the things that are replaceable.

What Does It Cover?

A home is an investment, which is why you have home owner’s insurance. In most policies, fire damage is covered if it is accidentally caused by lightning, smoke or vandalism. They typically cover:

Dwellings – The home and attached structures, such as a garage, shed and fences.
Personal property – Claims can be made to help cover replacement costs for appliances, furniture and clothing.

What Won’t It Cover?

If a home fire breaks out and is not accidental or the home is vacant, regular insurance may not accept the claim. Arson is an illegal act of insurance fraud in which a homeowner purposely sets a home on fire and will be instantly denied. A vacant home fire can be a little trickier, but many policies will not provide coverage if a home has been vacant more than 30 days.

Is There Coverage Available for an Unoccupied Home?

Typically, an unoccupied home is one ready to be used, is furnished and has utilities. A vacant home has no occupants or belongings. In either case, there could be a number of reasons no one is residing in it. For most people, this isn’t an issue. For the situations below, getting extra standalone fire coverage may be needed.

Vacation homes only used occasionally.
People in the middle of a move or renovation that may take longer than a month.
People who travel for extended periods of time.
If a property is rental and has no current tenants.

While everyone hopes a home fire won’t happen, having a little extra protection is worth it to protect your investment. If one does happen, count on a professional to help you navigate the restoration.

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