The kitchen is the part of the home that has the most risk of catching fire. We do most, if not all, our cooking in this enclosed place and this means that we use a lot of heat and electricity. All it takes is a tiny spark, and the whole house could go up in flames.
And your home is filled with things that catch fire quickly, so an accidental fire can easily spread if not quickly put out. While no one prays for their kitchen to catch fire, you can never be so careful. So it is better to have a contingency plan in place, and an excellent place to start is figuring out if your home insurance covers an accidental fire.
Yes, Your Home Insurance Will Cover An Accidental Kitchen Fire But…
Standard home insurance will cover a case of a kitchen fire, but it has to meet some conditions.
The most important condition is that the fire must not have been intentional. It has to be ruled as an accident, for example, a case of electrical malfunction or a towel accidentally catching fire and spreading. There should be no human intent behind the fire.
Another condition that must be met is that the kitchen should not have been neglected. An adequately maintained kitchen is less likely to catch on fire than one that isn’t. If a fire results from faulty wiring that you should have fixed, the insurance plan might not cover it. So to lay claim to the insurance payout in the occurrence of an accidental fire in the kitchen, the kitchen must have been properly maintained and kept clean.
Another reason your insurance company might deny you your payout in the event of a fire is if the fire was due to renovations that were not permitted. So even if the fire was an accident, but it was due to these renovations, your insurance provider has the right to deny payment.
How To Claim Your Insurance Payout After An Accidental Kitchen Fire
The first thing to do when you notice a fire is to put it out. You should contact the fire department and do not try to play the hero by trying to put out a fire that is beyond control.
Contact your insurance provider and your agent once the fire has been put out. Your agent should deduce how much damage was done to the kitchen and the house, and they should help you file a claim.
Your insurance company will handle the cleaning of the kitchen and other affected areas, and they will also pay contractors to estimate how much repairs would cost. And after this, they will disburse funds as stated in your insurance plan.
What Is Covered In Your Insurance Plan?
The insurance company will probably not cover all the damage caused by the fire. The level of coverage and the amount of money they give you are dependent on the type of policy you got and the deductibles that you are expected to pay. So make sure to consult your service provider for further clarification on what is covered by your insurance policy.
An accidental fire can create massive loss and leave you disoriented. But your home insurance policy will help cushion the effect. Contact your insurance provider so that you are ready for any scenario.