Fire damage – What insurance will pay for


Fire and fire smoke can cause considerable damage. We explain how the right insurance protects against huge amounts of damage.


Reading time: 09:00 min.

Insurance protects against fire damage and loss

Carelessness, open flame, electricity or arson – a fire starts for many different reasons. It only takes a few seconds for a fire to spread and for dangerous fire smoke to fill a building. In the blink of an eye, fires can cause immense damage to property or, in the worst case, even injure people or animals. Damage can quickly amount to huge sums – sums in the five-, six- or even seven-figure range. The only good news here is: You can protect yourself well against these costs and financial ruin because insurance will protect you in the event of fire damage.

What will each insurance policy pay for?

Depending on the type of damage, either building insurance, household insurance or private liability insurance takes effect. These insurance policies will then reimburse the replacement value, current value or the replacement cost of the items covered by the policy.

When will the insurance pay?

How to proceed correctly after a fire

Did you actually have a fire? There are some tips on how best to proceed properly after a fire. We show you how to proceed, step by step, after your building has been cleared by the police and fire brigade:

1. Ventilate your building well to get rid of the smell of smoke. In addition, do not use electrical appliances in rooms that are covered with soot.

2. It is imperative that you document your damage. Take photos of the damaged objects and any visible damage to the building. It is very helpful if you make a list of all the objects that have been damaged, including the year of purchase, purchase price and replacement value.

3. Inform your home contents, building or personal liability insurance and discuss the further procedure with your insurer.

4. Contact professionals for fire damage restoration. Especially in the case of major damage, it is advisable to commission a specialist with fire damage restoration. The costs are generally covered by the insurance.

5. Clean sooty objects. You can remove minor soiling yourself if you protect yourself sufficiently. Wear a protective suit, respirator and gloves when doing so.

Preventive fire protection protects people and property

In addition, preventive fire protection measures help to detect fires at an early stage and prevent them from spreading quickly. First is the installation of smoke detectors. But also smoke and heat exhaust ventilation systems (SHEVS) save lives in an emergency, as they quickly remove dangerous fire smoke from buildings, thus guaranteeing the safe rescue of people and enabling the fire brigade to extinguish the fire quickly. There are specialists for SHEVS who can provide professional advice for your building project. One of these specialists is LAMILUX. For more than 50 years, LAMILUX has been developing and improving smoke and heat exhaust ventilation systems to the highest standard, taking care of planning, coordination, installation, commissioning, maintenance and repair. LAMILUX's integral smoke removal for buildings helps to protect your building from toxic fire gases and thus protect people and property. Be well-informed about how your building is best protected in case of fire, experts like LAMILUX will gladly and competently help you.

Conclusion: Inform yourself in time!

Basically the following applies: In order to prevent a fire, many measures should be taken first and foremost to ensure that a fire does not start in the first place. You should also find out about insurance at an early stage in case a fire does break out. After all, with the right preventive fire protection measures, you will prevent the fire from spreading quickly and with the right insurance policies, you will be spared very high costs in the worst case.