When a building burns, the fire itself is not the only cause of damage to consider when assessing the damage. Smoke permeates the structure as well as the personal property inside the building. In order to extinguish the fire, the fire department often needs to break openings in the roof, ceilings, and walls or break down doors in order to access the fire. Water may be poured into the building cavities, soaking the owner’s furnishings, personal effects, electronics, documents and equipment. Mold may develop as a sequel to the fire.
It takes a comprehensive investigation to determine the full extent of the damage after a fire. Not just the cosmetic result of a fire loss needs to be dealt with but the full effect of the fire must be assessed in order that the insurance claim will result in a proper settlement.