If it is the result of a fire, the homeowners insurance should definitely cover it. But if it is something like a fire in a chimney flue, maybe not. That is considered routine maintenance. If it isn't done a claim might not be valid. Perhaps you can find some information in your homeowners policy or contact your insurance provider.
If it's the result of a smoker living in the home, meaning you have nicotine and smoke stains from cigarette smoking, then no, that would not be covered.
It should be covered, no problem. There are many companies out there who specialize in taking care of smoke damage to furniture, clothing, etc.
If the smoke damage is from something sudden and accidental then yes it should be covered. If it's from cigarettes then no, it's not covered.
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Related Questions
Does insurance cover smoke damage from furnace?
YES
Does homeowners insurance cover fire damage caused by smoking?
Most policies will cover fire/smoke damage caused by any event other than arson. If the fire was accidental in nature more than likely your insurance company will cover the damage to your home. Call your company and report the claim. If the company does not cover the damage contact an attorney in your local area who specializes in first party insurance law. He/she will be able to help you.
Will insurance cover damage to a vehicle that was backed into a pole?
As long as you have collision yes insurance will cover the damage that was done.
What does insurance cover for wind and hail damage coverage?
Insurance will cover whatever damage to your vehicle as long as you have comprehensive insurance. As long as you have a HO-3 insurance, it will cover the replacement cost to your house if you take wind or hail damage as well.
Does insurance cover termite damage?
No.
Does insurance cover condensation damage?
No
If your fence has termite damage and needs to be replaced will insurance cover it?
No, they will not cover it. However, if a gust of wind knocks it down, then they will cover the fence. Insurance does not cover damage caused by insects.
Does insurance cover foundation leak after flood?
"Flood Insurance" will cover damage resulting from a Flood. Homeowners Insurance will not.
Will homeowners insurance cover damage to the neigborh house by your car?
No. You homeowners insurance specifically excludes motorized vehicles. You auto insurance will cover damage you did to their home with your car. Your homeowners is not designed to cover damage you do with your vehicle under any circumstances.
Will your flood insurance cover your car in the driveway?
No, Flood insurance will not cover your Automobile. Your Comprehensive Auto Insurance will cover flood damage to your Car.
What does assurant renters insurance cover?
Renters insurance really does cover a lot. It covers natural accidents, burglary, theft, fire, vandalism, and smoke damage. It also will pay your rent for a few months if you get hurt in the apartment.
Does car insurance cover damage caused by a siezed engine?
No. Insurance does not cover mechanical problems.
Will homeowner's insurance cover woodpecker damage?
No
Will homeowner insurance cover wood pecker damage?
No, not direct damage.
Does homeowners insurance cover your child damaging the neighbors vehicle?
No, Your homeowners insurance does not cover vehicle damage. That's what auto insurance is for.
Does home insurance cover if a tree l damage a vistor car?
No homeowners insurance does not cover vehicles, that's what auto insurance is for.
Will Atlas insurance cover flood damage?
Yes Atlas insurance does cover flood damage. They also secure food insurance that you may need and also provide you with insurance to replace your assets which were damaged in the flood.
What does property damage liability car insurance cover in an accident?
Property damage liability car insurance will cover the individuals car and property that you hit. It will not cover anything to do with your vehicle if the accident is your fault.
What part of your insurance covers someone running into a fence?
The person's collision insurance should cover the damage to their car, and their liability insurance should cover the damage to the fence and property. If they have no collision insurance, they will have to fix their car on their own.
Should my neighbor's insurance cover for my damage?
If your neighbor is responsible for the damage, yes. If not, no.
Does home owners insurance cover water damage caused by the neighbor?
cover
Does farmers insurance cover raccoon damage in attic?
no
Does home insurance cover computer virus damage?
No
Does insurance cover damage caused by prior owner?
Pre Existing DamageNo. Your Homeowners Policy would not cover pre-existing damage.
Does homeowners insurance cover water damage due to a dishwasher breaking and leaking?
Yes, most homeowners insurance will cover this type of damage. You need to read your specific policy for exclusions for water damage.
