Understanding Smoke Damage and Insurance
Business owners in Hazel Park, MI, know that the unexpected will eventually happen. Even if it doesn’t happen to your building, smoke damage from a neighboring business that experienced a fire can create lingering odors and potentially cause hidden harm to the structure. Depending on how close it was, it may also mean soot damage, which can be difficult to clean and leave permanent stains. Although every policy is different, that damage will likely be covered by insurance.
Filing a Claim
After calling your insurer, they will send an adjuster to inspect and assess the situation. If your building experienced a fire, the process will be much more involved. To help ensure a smoother smoke damage claim, it is important to note the date of loss, location of damage and contact information of the property owner that experienced the fire. Along with documenting the damage, ensure you have the following available:
- A copy of the police report
- A detailed list of damaged items
- Estimates from a fire damage and restoration company
- Any receipts associated with repairs
Once the claim is accepted, it's time to deal with smoke cleaning. Although seemingly only annoying, this type of damage can be quite harmful to the materials in your business. While it may seem like a task that can be tackled alone, standard cleaning methods usually aren’t up to the task. If you use the services of a professional, you can count on them to have the expertise and latest equipment around to clean the air, structural components and affected belongings. They have an arsenal of methods available for all three, including air scrubbers, ozone generators, dry cleaning, wet cleaning and immersive cleaning.
Even if you didn’t cause smoke damage to your property, it isn’t something that can be left unattended. In most cases, your insurance will help cover the cleanup costs so you can get back to running like normal.