Fire can happen at any home, at any time, destroying property and wreaking havoc on homeowners. What you may not know is that fire damage is one of the most common disasters that affects homes across the United States every year.
As was the case Tuesday evening when lightning struck a house off Glenridge Boulevard in the Sugarmill Woods subdivision in Homosassa, causing the home’s attic to catch fire.
No one was injured.
Many different things can cause house fires, including:
- Lightning strikes
- Area wildfires
- Cooking fires
- Faulty electrical appliances or wiring
Your homeowner’s insurance will usually cover fire damage to homes and property. However, policy limitations, exclusions, and deductibles may affect the amount what is covered and what amount will be paid to cover the loss. As a homeowner, it is very important to review your homeowner’s insurance policy very carefully to make sure you understand what coverage and exclusions apply. Citrus County is a high risk area, so many homeowner’s insurance companies require property owners to purchase additional coverage to cover fire damage.
As soon as possible after a fire, homeowners should file a claim with the insurance company. Acting fast can speed up the claims process, which means you can start the repairs process sooner.