Fire damage
There are numerous, cruelly contradictory loopholes that can allow a home insurer to deny fire damages claims. Some insurers will only pay out if your home or belongings were damaged or destroyed by fire. Insurers may refuse, however, to pay a claim for damages caused by smoke, even though fire caused the smoke.
Some policies may be exempt from payout because someone died in a fire due to smoke inhalation but not necessarily because they were burned alive. Or, if the fire department ruins items due to use of water those may not be covered, even though a fire necessitated such actions. If a home has been vacant for over 30 days when a fired occurred, a claim can be denied.
