Find out more about how we can help you. CHAT LIVE with a representative now.
About the Tenaja FireThe fire was reported shortly before 4:00pm on Wednesday in the La Cresta community near the intersection of Clinton Keith Road and Tenaja Road. Mandatory evacuation orders were implemented for residents of The Trails Circle and Copper Canyon. Unfortunately, the fire grew overnight. As of Thursday morning, the fire had grown to 1,400 acres and had only been 7% contained. More than 500 firefighters are battling the Tenaja Fire – the fire department is also using helicopters and air tankers in attempts to control the flames. Although it is very likely that many homes and other properties will be scorched by the flames, it is also possible for homes and other properties to be significantly damaged by the smoke and ash created and left behind by the fire.
Property Damage Resulting from Smoke and AshMany people believe that smoke and ash is irrelevant in regards to property damage. However, that is far from the truth. Smoke and ash have the potential to cause significant damage. Some of the damage that could be caused by smoke and ash could include some of the following:
- Fabrics like carpets, drapes, curtains, rugs, and clothing, for example, can be severely discolored by smoke
- Small spaces like crawl spaces, attics, and drains can be damaged by the buildup of ash
- Air conditioning, heating, and water filtration systems could be damaged by the buildup of ash in vents, ducts, and pumps, for example.
- Drains, pipes, and plumbing, in general, could be affected by the buildup of ash
- Outdoor property, such as windows, lawns, furniture, yards, automobiles, for example, could be severely stained by the smoke and damaged by the ash
Find out more about how we can help you. CHAT LIVE with a representative now.Upon first glance, the damage created by smoke and ash might seem like something a few hours of cleaning might be able to take care of; however, doing so might be a difficult and very exhausting task. Because of this, smoke and ash damage should always be addressed by professionals – which could be very expensive. Even after professional cleaning, however, some of the property might not be salvageable – Property Owner Liability for Apartment and Commercial Fires Over all, smoke and ash damage and the process of addressing the damage could prove to be a significant financial burden. However, you might have grounds to pursue a smoke and ash property damage claim.
Insurance Coverage and Insurance ClaimsTo pursue a fire damage insurance claim for smoke and ash damage, it is important that you understand how your insurance coverage works. The typical homeowners’ insurance policy includes coverage for fire damage – which also includes smoke and ash damage. In a perfect scenario, the property owner affected by the smoke and ash damage would contact his or her insurance company to begin the claim process. The insurance company would make the appropriate evaluations and eventually compensate the property owner – within a matter of weeks. Considering that you pay for your insurance policy to ensure that you are covered in the case of an incident, you would expect that the insurance company is ready to cover your damages. However, insurance companies often make it very difficult for claimants – after all, they lose money every time they cover damages. Even if you have valid insurance coverage for your smoke and ash damage, you might encounter a number of difficulties when pursuing your claim. You might encounter some of the following situations:
- The insurance company denied your claim because your property damage was not extensive enough by their standards.
- The insurance company denied your claim because of allegations that the claim was false.
- The insurance company is giving you excuses for the prolonged time to reach a settlement.
- The insurance company is offering an unreasonably low settlement.
- The insurance company outright denied your claim without a valid reason.
- There is never an insurance representative available to answer any of your questions or address any of your concerns.
- You have no information regarding your claim; it seems like it is taking too long to conclude your claim.