What to consider when choosing a fire and damage restoration company Certified experts It is imperative to make certain that the company in question has all the required state and local certifications to complete the restoration job. These certifications should also be up-to-date. Certification: Look for credentials from the Institute of Inspection, Cleaning and Restoration Certification, also known as the IICRC, for well-trained fire and water damage experts. Sub-certifications: The IICRC has additional specializations such as mold remediation or structural and commercial Drying. Ask the company for details about their sub-certifications. Restoration vs. reconstruction: Note that the IICRC refers to restoration, not reconstruction. If the damage is to severe that contractors are required to partially or completely rebuild/reconstruct properties, make sure that they have all the proper local licenses and certifications necessary.

  Perils typically covered by home owners insurance. A peril is an event, like a fire or break-in, that may damage your home or belongings. The perils covered by your homeowners insurance are listed in your policy. The list of mishaps you're protected against ("perils" in industry speak) is actually pretty broad. Here's a look at what the Insurance Information Institute says are some of the most common perils covered by a typical homeowners insurance policy: Fire and smoke Lightning strikes Windstorms and hail Explosion Vandalism and malicious mischief Damage from an aircraft, car or vehicle Theft Falling objects Weight of ice, snow or sleet Water damage Check your homeowners insurance policy to learn what perils it covers. FIRE AND SMOKE A home, belongings and structures like a garage or shed are all usually covered for fire damage (including smoke damage). If the condition of the home requires its residents to live elsewhere for a time, a policy will typically help

  Depending on what's damaged, two types of coverage within a   homeowners insurance policy   may apply. Dwelling Coverage Dwelling coverage  helps pay for damage to the structure of your home if it's damaged by a covered peril. So, if a pipe suddenly bursts and damages a wall, dwelling coverage may help pay for repairs.   Personal Property Coverage Personal property coverage  helps pay for damage to your belongings if they are damaged by a covered risk. So, if a  burst pipe  results in a drenched computer or bookcase, personal property coverage may help pay to repair or replace the damaged items. Keep in mind that a deductible will likely apply before your coverage kicks in. Also, coverage limits may apply. Read your policy to brush up on how much coverage your policy provides. Your agent can help you adjust your coverage to fit your needs or answer questions about your policy. DOES HOMEOWNERS INSURANCE COVER WATER DAMAGE FROM LEAKING PLUMBING? Homeowners insurance may help co

Flood insurance is generally available to people in communities that participate in the  National Flood Insurance Program  (NFIP). Flood insurance policies can be purchased through  local insurance agents  by homeowners, business owners and renters who want protection for their homes, buildings and belongings. (Landlords can buy separate flood insurance policies to help protect the home.)   WHAT DOES FLOOD INSURANCE COVER? So, what does a flood policy help protect? FEMA says you can purchase coverage to help protect your home, your personal belongings, or both. Here are some of the basics for these two types of coverage: Building property coverage What it helps protect : The physical structure of your home and its foundation; plumbing and electrical systems; central air and heating systems; attached bookcases, cabinets and paneling; and a detached garage (other detached structures need their own policy). How it typically pays out : Replacement cost basis (what it would take to repair t