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Fire & Water - Cleanup & Restoration

Insurance Coverage and Residential Fires

5/11/2020 (Permalink)

Image of paper with letters asking "are you covered?" It's important to know what your insurance will cover in case of a residential fire in West Valley City, UT.

If you experience a home fire, will your insurance policy cover the damage? Unfortunately, the answer to that question is not straightforward. Every insurance policy is different, and the variables to determine coverage depend on the specific insurer. However, you can break most policies down into three categories for fire coverage: one often results in coverage, and the other two lead to questions and investigations.

  • Accident
  • Neglect
  • Arson


If you speak to any fire damage expert in West Valley City, UT, they can tell you that accidental fires receive insurance coverage. However, the extent of coverage often ties back to the cause of the fire. For example, if a natural disaster causes the fire, your insurer may not pay, depending on your coverage.


As a homeowner, insurers expect you to perform routine maintenance of your property, which includes inspections of wiring and appliances. If a home fire stems from faulty wiring, especially if the homeowner was aware of the issue from previous inspections, your insurer is unlikely to provide coverage for the damage or property loss. If you were unaware of the problem because of a lapse or avoidance of inspections, your insurer is also unlikely to cover the losses.


When a fire stems from criminal activity, like arson, coverage is unlikely. While arson does not automatically negate coverage, an investigation will need to clear the owner of any wrongdoing before a claim is considered. Insurance fraud is a serious crime with significant fines and jail time if a person is convicted.

Only your insurer can speak to the specific fire causes that limit or prohibit coverage for a home fire. If you have questions, it is best to contact your insurer. You can also discuss fire risks, prevention and property assessments with a fire mitigation company, possibly helping you reduce the risks of property loss from fire loss.

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