- Dec 02, 2014
Hello, I have a home insurance where indicates that I am cover for both fire and smoke damage. Well, the roof and walls of the kitchen are blackened by smoke, I guess for cooking since it is in the kitchen. The assessor sent by the Insurance Co. recognizes that there is damage for smoke, but the Insurance Co. has rejected the claim.
Are they right?
Moderator, Sergio Sanguino
Yes, they are right because damage for smoke is covered, but due to an accident, meaning “any damage caused by a sudden, accidental and unforeseen event, occurred within the term of the policy, which consequences are fully or partially covered… “
In the present case the harmful action of smoke is neither sudden nor accidental or unexpected.
The general terms of the policies, includes in the section of exclusions “slow and continuous action of smoke” so we understand that the loss is excluded from your Insurance policy guarantees.