What Does Smoke Damage Mean?
Smoke damage is physcial damage that is caused from the smoke created by a fire but not the fire itself. This is a type of damage that is typically insured under a homeowners' insurance policy or other policy that covers damage from fire.
Insuranceopedia Explains Smoke Damage
Smoke damage is caused from the remnants of the fuel that was feeding a fire. Unlike the flames of the fire, smoke does not destroy objects but does cover them in soot and a foul odor. The restoration of buildings in terms of removing the smell and soot is extremely taxing task due to the composition of smoke, which tends to have an almost greasy quality.