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After

When is a fire not covered by insurance?

When a home fire occurs it's important to know what your homeowner's insurance covers. Most accidental fires caused by candles, grease, and electricity are covered by insurance. Insurance won't cover fire damage when a fire is started intentionally.

Arson is another case where you will not be able to collect insurance for repairs. This provision is to protect companies from those who would start a fire on purpose to reap the insurance benefits. Make sure the fire investigator is thorough to avoid a scenario where an accidental fire could be misconstrued as arson, which would eliminate your ability to repair damages with insurance coverage.