Does Homeowners Insurance Cover Smoke Damage in California?
Does homeowners insurance cover smoke damage in California? Often yes. A California homeowners policy can cover wildfire smoke, soot, or ash damage even when flames never touch your home, when that smoke causes covered physical alteration to the house or your belongings. Odor alone usually is not enough. Your policy wording and the facts of […]
Does Homeowners Insurance Cover Mold in California?
Short answer: California homeowners insurance may cover mold when it results from a sudden and accidental water loss that your policy covers. Mold caused by long-term leaks, humidity, maintenance problems, neglect, or flooding is usually excluded. Some policies may also have separate limits or endorsements for mold and fungi. If you live in Northridge or […]
