Understanding Smoke Damage and Insurance

5/17/2022 (Permalink)

An ozone generator emits ozone gas that physically changes molecules and breaks them down.

Smoke Damage and Insurance

While it may not be visible like soot damage, smoke damage is a strong, lingering issue. If your business is dealing with the issue, even if the fire was from a neighboring property, your commercial insurance will likely cover it, but it can be a tricky process.

Steps To Take
Once the damage is detected, there are essential steps that need to be taken to improve your chances of the claim being accepted and processed quickly.

Immediately contact your insurance provider. If you wait to report smoke damage, it may delay the claim and result in more downtime.
Have a clear understanding of your unique policy. Look over coverage, exclusions, deductibles, and filing requirements.
Document the damage by taking pictures and videos.
Maintain records of any expenses incurred due to the damage.
Contact a professional fire damage restoration company to have the damage assessed and a remediation plan set in motion.

Smoke Cleaning Methods
Since smoke odors are tricky, cleaning smoke requires industrial-grade tools and expertise. When choosing a certified restoration company, you get peace of mind that the air quality in your business will be restored. Three methods used to eliminate odors include:

Thermal Fogging: This is a heated deodorizer that neutralizes odors by attaching to smoke particles and absorbing them. It is an efficient way to ensure hard-to-reach areas are cleaned.
Ozone Generator: Used for decades, this generator emits ozone gas that physically changes molecules and breaks them down.
Hydroxyl Generator: Hydroxyl is gaining popularity because it breaks down particles and turns them into carbon dioxide and water, making it a people-friendly method.

If your business has sustained smoke damage, it is a problem that will linger if not properly treated. Immediately addressing the issue and working with your insurance and a restoration specialist makes it easier to get back to business.