02/26/2026
After a fire, one mistake can cost you thousands in uncovered damage.
Here's what most San Diego homeowners don't understand about fire insurance โ and how to protect your claim before it's too late.
๐ช๐ต๐ฎ๐ ๐๐ฆ ๐ฐ๐ผ๐๐ฒ๐ฟ๐ฒ๐ฑ:
Standard homeowners insurance covers structural fire damage, smoke odor removal, soot cleanup, content restoration, temporary housing, and emergency services. Detached structures like garages and pools ARE covered โ but usually at much lower limits (typically just 10% of your dwelling coverage).
๐ง๐ต๐ฒ ๐ฐ๐ผ๐๐ฒ๐ฟ๐ฎ๐ด๐ฒ ๐ด๐ฎ๐ฝ ๐ฝ๐ฟ๐ผ๐ฏ๐น๐ฒ๐บ:
If you have $300,000 in dwelling coverage, your detached garage or pool might only be covered up to $30,000. Landscaping? Often just 5% with per-item limits like $500 per tree. That's where homeowners get caught.
๐ช๐ต๐ฎ๐'๐ ๐ก๐ข๐ง ๐ฐ๐ผ๐๐ฒ๐ฟ๐ฒ๐ฑ:
Arson, neglect, poor maintenance, upgrades beyond original condition, and in some policies, vacant properties.
๐ง๐ต๐ฒ #๐ญ ๐ฐ๐ผ๐๐๐น๐ ๐บ๐ถ๐๐๐ฎ๐ธ๐ฒ?
Starting cleanup before documenting everything. Once the evidence is gone, adjusters have no way to verify your loss.
๐ธ ๐๐ฒ๐ณ๐ผ๐ฟ๐ฒ ๐๐ผ๐ ๐๐ผ๐๐ฐ๐ต ๐๐ก๐ฌ๐ง๐๐๐ก๐:
โข Take photos and videos of ALL damage
โข Document every affected room and item
โข Call Certified Restoration FIRST
๐ช๐ฒ ๐๐ผ๐ฟ๐ธ ๐ฑ๐ถ๐ฟ๐ฒ๐ฐ๐๐น๐ ๐๐ถ๐๐ต ๐ถ๐ป๐๐๐ฟ๐ฎ๐ป๐ฐ๐ฒ ๐ฎ๐ฑ๐ท๐๐๐๐ฒ๐ฟ๐ ๐๐ผ ๐ฝ๐ฟ๐ผ๐๐ฒ๐ฐ๐ ๐๐ผ๐๐ฟ ๐ฐ๐น๐ฎ๐ถ๐บ. Our team knows exactly what documentation adjusters need and how to prevent the mistakes that cost homeowners thousands.
Adjusters rely on evidence. We help you preserve it.
๐ฅ ๐๐ถ๐ฟ๐ฒ ๐ผ๐ฟ ๐๐บ๐ผ๐ธ๐ฒ ๐ฑ๐ฎ๐บ๐ฎ๐ด๐ฒ? ๐๐ฎ๐น๐น ๐๐ ๐๐๐๐ข๐ฅ๐ ๐๐ผ๐ ๐๐๐ฎ๐ฟ๐ ๐ฐ๐น๐ฒ๐ฎ๐ป๐ถ๐ป๐ด.
๐ (๐ฒ๐ญ๐ต) ๐ฏ๐ณ๐ญ-๐ฐ๐ฑ๐ฎ๐ฒ | 24/7 Emergency Response
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