In attached housing the fire that affects you is often not the fire in your unit. Smoke travels, firefighting water travels further, and neither needs flames to reach you.
Smoke and water damage from a fire elsewhere in the building is a covered loss on your own policy.
Three things about a fire that started somewhere else.
Smoke permeates fabric, clothing and electronics well beyond any burned area, and the restoration cost on a household’s soft goods is substantial. It is a covered peril on a renters policy, and it is the most likely way a neighbor’s fire becomes your claim.
Firefighting water runs downward and sideways. A unit below or beside the fire can be soaked without ever being touched by flame. That is covered too, and the two together frequently make a total loss of contents without a single scorch mark.
A building with fire damage is closed to everybody in it while it is assessed, not only the unit that burned. Loss of use pays the additional cost of living elsewhere, and in a building-wide incident that can run for weeks.
Cover for a loss you did not cause.
Building-wide incidents displace everybody, sometimes for weeks.
Smoke damage ruins clothing and furnishings, which depreciate heavily.
It changes what is most likely to reach you.
Tell us whether the unit is attached and what the contents are worth.
We size loss of use for a building-wide incident, not just your unit.
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