Most homeowners assume "fire insurance" means everything burned gets replaced. The reality is more complicated, and the fine print matters.
Standard HO-3 policies typically cover dwelling, other structures, personal property, and loss of use. But smoke and soot damage is often capped, and high-value items like electronics and jewelry have sub-limits.
Additional Living Expenses (ALE) reimburse hotel, food, and laundry costs while your home is uninhabitable. Save every receipt — adjusters will reimburse you, but only with documentation.
We work directly with your adjuster, share Xactimate scopes line-by-line, and fight for line items that get denied. That's the difference between a payout that covers the work and one that leaves you out of pocket.