Smoke Damage Claims

Have you ever heard the old saying “Where’s there’s smoke there is fire”? That is usually true. However, you do not always need a fire to have smoke. Smoke can come from any one of a number of sources and can penetrate more items than you could imagine.

If you have a heating system or water heater that is fueled by oil, you have a potential source of smoke damage in your home or building. Your system could have what is called a puff back. A puff back can occur when an oil-burning furnace does not ignite when it should. Oil vapors build up in the ignition chamber, causing an explosion when the igniter finally triggers. The explosion blows soot and other debris through the furnace’s exhaust system and into the heating system, which carries it into the house. The damages can be very visible to hardly noticeable. The one constant is that it is a real pain to clean and extremely time consuming. The discharged soot has an oily residue in it that makes ordinary cleaning products not effective.

Your heating system discharges the smoke through you chimney flue. If you have a fireplace then the fireplace has a chimney flue also. Failure to regularly clean the chimney/flue and cause a blockage. This blockage can cause the smoke to back up into your home. This not only poses a safety hazard with carbon monoxide but also can create a substantial amount of damages to your home and personal belongings.

Have you ever put bread in the toaster and forgot about it? What happens? You end up with a ton of smoke-everywhere. This can also happen when cooking or baking. It does not mean you did anything wrong. It can happen to the best of us. Life is busy and with the many day-to-day distractions, we can easily get side tracked.

Throughout our career, we have seen many different kinds of smoke damage. Smoke and soot are very fine particles. They can easily penetrate closed doors and drawers and make their way into containers that we believe to be closed.

Could you imagine cleaning EVERY single item in your home? You would be there for days on end. If you did not use the correct type of cleaning products then you could easily end up having to go through this tedious task many times over. Who has time for that?

Most insurance policies will cover the cost of the cleanup for smoke damage as well as replacing items that may become permanently damaged by the smoke. You have paid your premiums. The insurance company took your money. Shouldn’t you benefit from it?

Contact us at Armor Adjusting. We will not only guide your through the claim process for your smoke damage claim but we will do our best to ensure you get everything you should.

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