Numerous incidents take place when cooking at home. One of them happens to be a grease fire. But do not fret. Homeowners’ insurance helps in protecting you from these unexpected losses.  

When things take an unexpected turn, don’t panic. This is where your home insurance policy comes to your rescue. Since fire claims are the most common in the U.S., electrical and kitchen fires come under your home insurance protection. It will help you cover these losses.  

Here is all you need to know about claiming damage from a grease fire in your home.  

All About Home Insurance  

Homeowners’ insurance is crucial to have. It will protect all your finances and your family members. This property insurance covers all losses incurred due to extreme weather, theft, fires, bodily harm, vandalism, and property damage. 

When a fire breaks out in the kitchen due to grease or any other reason, it poses a threat to all present and to the house itself. It can be deadly; so it is essential to get a policy that will ensure you are fully covered when such an incident occurs. 

A standard homeowner’s insurance policy covers grease fire, given that it happened as an accident. If there is evidence of the fire being lit intentionally, it will not sit well with the insurance company, and your claim for damages will most likely be denied.  

Cases Of Claim Denial  

Your insurance company will not accept your claim for damages if they find out the following:  

• The slightest hint of deception: A majority of people start a fire in the kitchen to get the property all fixed by the insurance company. In this way, they get to have a kitchen make-over. But what they don’t understand is that the insurance company conducts research of their own. If they get the tiniest of hints that you’ve lied or made false claims, you not only lose your kitchen but also your insurance.  
• Unpaid premiums: You must pay your premiums on time to have an existing insurance policy. If you miss as little as one installment, it will halt your process, so be sure to make timely payments.  
• Follow the terms and conditions strictly: You have to follow the terms and conditions of the insurance policy. Failure to comply with these will result in your claim being denied. One of the most common ones is to have a fire extinguisher in easy reach to avoid maximum damage.  

How To Claim Damages For A Grease Fire? 

Here’s how you go about making a grease fire claim: 

Try and stop the fire from spreading and make mental notes of what you did as you’ll have to tell your insurance company everything. Do whatever you can to minimize the damage.  

Write down all the details or record them as a voice note, so you don’t forget them later. They will act as proof of when the fire started and what exactly happened.  

Don’t forget to take pictures of everything that has burned down. Take better angles. Make a video if you have to. Everything will be necessary when talking to your insurance company. It’s best not to move anything or else it will be labeled as false or amount to meddling with proof.  

Don’t stress when a grease fire breaks out. Your damages can be claimed under your homeowner’s policy as long as you follow all the necessary steps required to have your claim approved successfully. If you’re having trouble with your claims and need a fire claims adjuster, contact New Jersey Fire Claim or call (844)-567-FIRE and speak to our experts.