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Does Insurance Cover Water & Fire Damage If You’re to Blame?

    water fire damage insurance claim form

    water fire damage insurance claim form

    When water or fire harms your Chicagoland property, it becomes quite a tense period while you try to decide the next steps or figure out how to fix the issue. What makes this time even more stressful is if you caused the damage yourself.

    Discover how home insurance can help you, whether or not you’re responsible for water or fire damage.

    What Water Damage Insurance Does/Does Not Cover

    Allstate Insurance Company states that commonly a standard home insurance policy has two kinds of protection which might be relevant here:

    • Dwelling coverage: This helps pay for the reconstruction or repair of any physical damage to the structure of a home.
    • Coverage for personal belongings: This type of insurance will reimburse you for your possessions that received damage because of water issues.

    Based on the policy you have, there might be a deductible amount that you need to pay yourself and also there are limits to how much coverage you get.

    Ravenswood Water Damage Restoration - ServiceMaster Restoration By Simons - Chicago

    Should plumbing suddenly break, homeowner’s insurance probably pays for it. But if breakage comes from not keeping up maintenance well, then whether insurance covers it is uncertain. The insurance will not include coverage for the broken item, meaning if your dishwasher leaks and harms the flooring, they would cover the damage to the floor but not to the dishwasher itself.

    Usually, damage from a sewer backup isn’t included in insurance coverage; however, you might have the option to purchase additional protection for it. Also, traditional insurance doesn’t cover damage from floods, but the National Flood Insurance Program might offer coverage in certain areas.

    What Fire Damage Insurance Does/Does Not Cover

    When there’s been damage from fire, insurance for personal belongings and the house itself is included. Coverage also extends to separate buildings like sheds or garages not attached if they get damaged by the fire. You must check how much your insurance covers for personal items to know if it will pay for all things that got damaged. If your house is damaged too severely to stay in it, usually the insurance will cover the cost of hotel stays for a while when they’re fixing your home.

    Fire & Smoke Damage Restoration Avondale - Chicago - ServiceMaster Restoration By Simons

    So, let’s say you accidentally left a cloth near the stove and it starts burning. Then your insurance may still pay for the damage. However, if you intentionally set fire to your house, expect that you will have to pay all expenses for fixing it yourself.

    Your insurance might also include coverage for your garden or outdoor plants if they get damaged by fire. It’s important to look at the details of your policy to find out if it protects you in case there’s a wildfire.

    Whatever the Damage, Call Us Immediately

    ServiceMaster Restoration By Simons truck outside single family home

    No matter whether the cause of damage was water or fire, and no matter whose fault it was (No judgments here!), make ServiceMaster Restoration By Simons your first call. We’ll help you work through the insurance quagmire while working along with your insurance company to determine your levels of coverage. We will remove any trace of water or fire damage to your Chicagoland home and help get your life back to normal as soon as possible.



    • Nasutsa Mabwa

      Nasutsa Mabwa is President of ServiceMaster by Simons, a MBE/WBE City of Chicago and State of Illinois certified firm. She is a 2020 Daily Herald Business Ledger C-Suite awardee, a member of Crain’s Chicago Business 40 under 40 and a 2018 ServiceMaster(c) Achiever Award recipient. She is a Civic Federation Board Member, an Advisory Board Member for as President Elect on the Executive Committee for the Evanston Chamber of Commerce. She is IICRC certified for WRT & FSRT.

      About ServiceMaster Restoration By Simons
      Restoration By Simons is an MBE/WBE certified firm and family-run company serving both Cook and Lake County, Illinois. Recently, the company was awarded a variety of honors, including the SB100 Best of Small Business Award Winner 2021, Bronze Stevie® Award in the Female Entrepreneur of the Year category in the 18th annual Stevie Awards for Women in Business, recipient of the 2020 Better Business Bureau's Torch Award for Marketplace Ethics, and the recipient of the 2020 Skokie Business of the Year Award, Honorable Mention Category. Restoration By Simons provides disaster restoration services including water and flood damage restoration, fire and smoke damage restoration, mold remediation, to residential and commercial customers in both Cook and Lake County IL.

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