What Fire Insurance Typically Covers
- Structural repairs: Rebuilding damaged walls, roofing, flooring, and structural components
- Content restoration: Cleaning, restoring, or replacing damaged personal property
- Additional living expenses (ALE): Temporary housing, meals, and other costs while your home is being restored
- Debris removal: Disposal of charred materials and damaged contents
- Smoke damage: Cleaning and deodorization throughout the home
Policy Limits and Deductibles
- Deductibles typically range from $500–$2,000 and apply to all claims
- Dwelling coverage limits should reflect current rebuilding costs. Many homeowners are underinsured
- ALE coverage typically has a time limit (12–24 months) and dollar limit
Maximizing Your Fire Damage Claim
- Document all damage thoroughly before any cleanup begins
- Create a detailed inventory of all damaged personal property with estimated values
- Keep all receipts for emergency expenses, temporary housing, and meals
- Work with a restoration company experienced in NJ insurance claims
- Request a written explanation for any denied or reduced coverage