Smoke Damage

What Does Smoke Damage Mean?

Smoke damage refers to physical damage caused by the smoke from a fire, rather than the fire itself. This type of damage is typically covered under a homeowners’ insurance policy or other policies that provide coverage for fire-related damage.

Insuranceopedia Explains Smoke Damage

Smoke damage is caused by the remnants of the fuel that fed a fire. Unlike the flames, smoke doesn’t destroy objects but leaves them coated in soot and a persistent foul odor. Restoring buildings by removing the smell and soot is a particularly challenging task due to the composition of smoke, which often has a greasy quality.