A standard HO-3 homeowners policy lists fire as a covered peril, so damage from flames, smoke, and soot is generally paid for up to your policy limits. Coverage usually includes the dwelling itself, other structures, and personal property. Additional living expenses help pay for a place to stay while your home is uninhabitable.
Insurers can deny claims for fires that are intentionally set by the homeowner or that result from clear neglect. Vacant-home clauses and lapsed premiums can also affect coverage. Read your declarations page to confirm your dwelling limit, personal property limit, and deductible.
Document everything before cleanup begins and keep an itemized list of losses. Water damage from firefighting is typically covered as part of the same fire claim. Heartland can handle that water extraction, structural drying, mold prevention, board-up, and debris haul-away, while a fire and smoke specialist handles the soot and odor restoration.