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Fires or Explosions
It is essential to preserve photographic evidence, fire department reports, and not remove debris until the adjuster has documented the affected area.
Fires can be devastating, not only from flames but also from smoke and residue. Policies usually cover this type of loss, but proper documentation is key.
Where does it usually occur?
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Kitchens (most frequent origin due to accidents)
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Living rooms or bedrooms (overheating of electrical appliances)
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Garages or workshops (improper storage of flammable materials)
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Electrical systems or control panels
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Destruction of walls, ceilings, or furniture
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Smoke embedded in structures, ducts, or clothing
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Burned or damaged appliances
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Soot on surfaces and ceilings
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Damage caused by firefighters (water, broken ceilings or doors)
Common examples of fire damage
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