Wildfire Smoke Insurance Claims
If your home was exposed to wildfire smoke and ash, you want to make sure it and its contents get properly inspected, tested, cleaned/treated and restored to pre-exposure condition.
First, Identify and document smoke damage to support your homeowners insurance claim.
- Document everything
- Use the Smoke Test Kit to document the presence of wildfire smoke.
- Take pictures of all visible damage.
- If you or a household member are experiencing health problems, report that to your doctor.
- Damage to your home and possessions by smoke and ash is covered in your home policy.
- Payment for smoke damage to the structure of your home (walls, studs, wall-to-wall carpeting etc.) comes out of your dwelling coverage.
- Payment for smoke damage to area rugs, clothing, curtains, furniture, etc. comes out of your contents coverage.
- No special dollar limit cap (such as you may find for mold) should apply, other than your overall dwelling and contents insurance limits.
Get the Smoke Test Kit today and begin documenting the damage to support your homeowners insurance claim and restore your home to pre-loss condition.
Wildfire Smoke is Contaminating Homes
Smoke Test Kit makes it easy to identify the presence of smoke particulates. The leading cause of long term odors, discoloration and “ghosting” effects. Carbon black and combustion byproducts (carbonized material) are released from wildfire and are deposited in and onto buildings like your home. These particles can coat interior surfaces. Proof of these conditions may be required by property insurance companies prior to the buildings being fixed. Get all the data you can when preparing for your next steps after the wildfires.
Test Your Home for Wildfire Smoke
The home Smoke Test Kit samples for the presence of particulate related to wildfire, home fires, and the other smoke particles. Your surface sample then analyzed by the accredited Environmental Diagnostics Laboratory (EDLab) and a final report is generated. All lab analysis costs and return shipping is included in the cost of the Smoke Particulate Screen. No hidden fees.
You final report shows detailed information about the particles identified and the levels in which the were present. Your finding are compared to what is considered to be a normal manageable level.
Once EDLab receives the sample from the Smoke Test Kit for analysis, your lab report will be generated and emailed to you within 3-5 business days.
What is Wildfire Smoke and Can it Make Me Sick?
The CDC notes that wildfire smoke is a mix of gases and fine particles from burning vegetation, building materials, and other materials. Wildfire smoke can make anyone sick. Even someone who is healthy can get sick if there is enough smoke in the air. Breathing in smoke can have immediate health effects, including:
- Trouble breathing normally
- Stinging eyes
- A scratchy throat
- Runny nose
- Irritated sinuses
- Wheezing and shortness of breath
- Chest pain
- An asthma attack
- Fast heartbeat
Older adults, pregnant women, children, and people with preexisting respiratory and heart conditions may be more likely to get sick if they breathe in wildfire smoke.
Common Symptoms to look for the need of a Smoke Test:
irritation of the eyes, nose, and throat; coughing; phlegm; chest tightness, shortness of breath.
Similar symptoms can also be be encountered when infected with the COVID-19 Virus. Also check out our new Coronavirus Test Kit.