The smoke peril in homeowners insurance covers damage caused by sudden and accidental smoke over a short period of time from sources like fire, faulty heating units, or malfunctioning appliances. It protects the home's structure and personal property from smoke-related damage. Smoke damage eligible for coverage includes incidents known as "puffback." Puffback occurs when a furnace, boiler, or similar equipment emits soot, smoke, vapors, or fumes onto covered property, resulting in damage.
However, coverage typically excludes damage from long-term exposure, agricultural operations, or industrial pollution. Note that the HO-8 (Modified Coverage) form does not cover damage if the smoke came from a fireplace.
AVERAGE COST PER SMOKE CLAIM:
$3,000 - $35,000 approximately
A sloppy inspection from your assigned insurance adjuster can cause your claim to be denied or undervalued.
Tiger Adjusters offers no-cost property inspections utilizing the latest technology to capture a full and accurate account of all damages.
Be honest — did you read the fine print of your insurance policy?
When property damage occurs, our team reviews your policy and provides expert advice on a recommended course of action for your claim.
We create a detailed loss estimate and file your claim plus complete all the required documentation.
It’s tedious work but when it comes to the value of your claim, the dollars are in the details!
Tiger Adjusters fully represents you in negotiations with your insurance company. We review the carrier’s inspection report, estimate, and settlement offer to evaluate if you are being paid fairly.
If not, we fight for funds for all covered damage so that you can repair and restore your property.
