Understanding Fire Damage Liability Coverage

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Property damage after a fire can rack up thousands of dollars. In 2014, U.S. fire departments responded to approximately 1,298,000 fires resulting in an estimated $11.6 billion in direct property loss, according to a report from the National Fire Protection Association (NFPA)*. If you’re concerned with fire damage legal liability issues, ServiceMaster by Wright is here to provide important information regarding leases and other documents that can help.

What is Fire Damage Legal Liability?

  • The International Risk Management Institute (IRMI) states that fire damage legal liability coverage is the “coverage of a tenant’s liability for damage by fire to the rented premises (including garages) the tenant occupies.”

  • This specific type of insurance coverage often found under a standard CGL or commercial general liability policy, typically is subject to the insured’s “damage to premises rented to you” limit.

Who Needs Fire Damage Legal Liability?

Individuals or businesses renting space, whether residential or commercial, may be required to provide fire damage legal liability coverage in regards to the specific rental space or possibly for the building’s full value. The policy should cover the insured for liability due to any type of negligence that results in fire spreading and damaging another individual’s or company’s property.

Potential Limitations

A fire damage legal liability policy can have its limitations. These may include but are not limited to:

  • A monetary limit of either $50,000 or $100,000

  • Fire damage coverage only; no coverage for water damage or other related losses

  • Coverage for premises only; no coverage for contents

  • Coverage only if legal liability for the damage is the insured’s responsibility

A variety of additional limitations may exist if the insured is a business rather than an individual. For example, an automotive business that suffers an explosion may not be covered if a spark ignited the fumes of a vehicle being spray painted. Moreover, if a business’s lease directly states that the business or business owner is responsible for any damage to the property and premises, regardless of cause, the fire damage legal liability policy would not offer coverage.

  • Every business and individual has specific needs regarding policy coverage and the need for fire damage legal liability.

  • An experienced insurance agent can determine which coverage options are best for your particular needs and situation. It’s essential to explore your options and alternatives before a loss occurs to protect yourself in the event of a fire.

  • If a fire does damage your property, let the professionals at ServiceMaster by Wright handle the clean-up and restoration process. Our local service businesses expertly remediate fire, smoke and water damage for single rooms within a home or office and for entire residential and commercial buildings.

Southwest Florida's Most Trusted Fire Damage Restoration Service Provider

ServiceMaster by Wright is a leading fire damage restoration company performing content cleaning, smoke and soot damage removal, and fire damage repair since 1979. We have pioneered fire and smoke damage restoration solutions for homeowners and businesses in Fort Myers, Florida and the surrounding areas.

ServiceMaster by Wright has developed a reputation with business owners, property managers and contractors as a premier cleaning and restoration specialist.

At ServiceMaster by Wright, our services are delivered with state-of-the-art equipment and a thoroughly trained, insured, bonded and licensed staff. From initial emergency response to total reconstruction services, ServiceMaster by Wright is your one-touch solution for all your recovery needs. Our unique ability to be your complete restoration gets your property back to its pre-loss condition.

Contact Us for Professional Fire Damage Restoration Services in Fort Myers, Florida

ServiceMaster by Wright is available 24 hours a day, 7 days a week at 239-431-9947. You may also connect with us online to schedule an appointment.

  • IICRC accreditation (all techs are all certified through IICRC)

  • Preferred by insurance companies in Florida

  • Time-tested environmentally conscious processes and procedures

  • Equipment operation, safety, and maintenance

  • Specific product usage and safety

  • Hazardous materials handling

  • Minimizes any negative environmental and health impacts

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*Reproduced from NFPA’s website, © NFPA 2016.

Fire Damage