After a fire, one of the first questions property owners ask is whether insurance will cover the cost of fire damage cleaning. In many cases, fire damage cleaning is covered, but the level of cover depends on the policy, the cause of the fire, and the extent of the damage.
This guide explains how insurance typically applies to fire damage cleaning in the UK and what property owners should expect.
Is Fire Damage Cleaning Usually Covered by Insurance?
In most cases, yes. Fire damage cleaning is commonly covered under:
- buildings insurance
- contents insurance
Coverage usually applies when the fire is accidental and the policy is active.
What Types of Cleaning Are Normally Covered?
Insurance may cover:
- soot and smoke residue removal
- cleaning of walls, ceilings, and surfaces
- smoke odour treatment
- cleaning or restoration of contents
- water damage caused by firefighting
The exact scope depends on the policy wording.
What Is Not Always Covered?
Insurance policies may not cover:
- pre-existing damage
- poor maintenance
- gradual deterioration
- unauthorised work
- deliberate or suspicious fires
Structural repairs and redecorating are often handled separately from cleaning.
Buildings Insurance vs Contents Insurance
Buildings Insurance
Typically covers:
- cleaning of permanent structures
- walls, ceilings, floors
- fixtures and fittings
Contents Insurance
Typically covers:
- furniture
- clothing
- personal belongings
Some items may be cleaned rather than replaced if restoration is possible.
Who Arranges Fire Damage Cleaning?
Depending on the policy:
- the insurer may appoint approved contractors
- a loss adjuster may be involved
- the policyholder may arrange cleaning with approval
It’s important to confirm arrangements before work begins.
What Is a Loss Adjuster?
A loss adjuster:
- assesses damage
- confirms what is covered
- approves cleaning and restoration work
They act on behalf of the insurer and may visit the property before cleaning starts.
Should Cleaning Start Before Insurance Approval?
In urgent situations:
- emergency cleaning may be authorised to reduce further damage
- documentation is usually required
For non-urgent cases, it’s best to:
- notify the insurer first
- wait for guidance
This helps avoid disputes.
What Documentation Is Usually Needed?
Insurers often request:
- photographs of damage
- inventory of affected items
- cleaning reports or invoices
- confirmation of work carried out
Keeping records helps claims progress smoothly.
Can Insurance Refuse Fire Damage Cleaning Costs?
Insurance may refuse costs if:
- the policy does not include fire cover
- terms have been breached
- damage is excluded under the policy
Always check policy wording carefully.
Related Guides
- Fire Damage Cleaning in the UK: What It Involves, When It’s Needed, and What Happens Next
- How Much Does Fire Damage Cleaning Cost in the UK?
- Smoke and Soot Damage: Why Cleaning Is Essential After a Fire
- Can a Property Be Reoccupied After Fire Damage Cleaning?
Final Thoughts
Insurance often covers fire damage cleaning, but coverage depends on policy details and approval processes. Understanding how insurance works after a fire helps property owners take the right steps and avoid delays.