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Fire & Water - Cleanup & Restoration

What Coverage Handles an Apartment Fire Claim?

4/20/2020 (Permalink)

High rise condominium or apartment fire with flames coming out the windows. An apartment fire in Colwich, KS

It can be confusing to understand what items and types of damage property insurance will and won't cover. If your business rents space in an apartment in Colwich, KS, or whether you own the building, you need to understand how this coverage works. You never want a situation to arise where you need to make a claim, but you are relieved when you have an insurance plan to turn to.

When Commercial Insurance Will Cover a Fire

If a fire starts in an apartment building, the owner's property insurance will take effect for damage the structure itself suffers. The policy should cover the building materials such as the roof, drywall, and framing. If you own the building, you can also claim the following in the event of fire damage or losses:

  • Carpet or other flooring materials
  • Electrical system
  • Plumbing system
  • HVAC system, including the applicable appliances

When the Insurance Company Will Deny Your Claim
An apartment fire can start in a number of ways. Many incidents begin due to faulty electrical components. Other fires can start from discarded cigarette butts. Your policy should cover building losses in these cases. However, if you start the fire intentionally, the insurance company will deny your claim, and you will likely be prosecuted.

What About Tenants?
If you are renting office space in an apartment, be aware that the owner's property insurance plan won't pay for repairs or replacements of your personal belongings. The policy won't cover your office equipment or furniture either. To pay for a professional fire cleaning company to restore these items, or to replace them, you'll need to purchase renters' insurance. This coverage is only valid for contents within the building, while the property insurance protects the building itself.
An apartment fire can be devastating for the building owner and tenants alike. Make sure you have the appropriate coverage for your needs.

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