Coverage Status: Usually Covered
It depends on the details of the incident. Auto-Owners's coverage for fire damagevaries based on your specific policy terms, coverage types, and how the incident occurred.
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Kitchen fire from unattended cooking caused $78,000 in damage
Auto-Owners covered structural repairs, smoke damage, and 3 months of temporary housing. Quick claim filing was crucial.
Every Auto-Owners policy is different. Upload your policy documents to get a personalized analysis of whether your specific coverage includes fire damage.
Based on recent data, Auto-Owners pays an average of $15,000-$35,000 for fire damage claims, though amounts vary significantly based on damage extent. The 95% approval rate indicates most valid claims are covered. Your deductible (typically $1,000 - $2,000) will be subtracted from the payout.
Auto-Owners typically processes fire damage claims within 7-14 days. Emergency situations may receive expedited service within 24-48 hours. You can track your claim status through autoowners.com or by calling 1-800-SF-CLAIM.
Auto-Owners requires: 1) Detailed photos/videos of damage, 2) Official reports (police, fire dept, etc.), 3) Receipts for damaged items, 4) Proof of ownership for high-value items, 5) Contractor estimates for repairs. Submit via the Auto-Owners mobile app for fastest processing.
Premium increases vary by state and claim history. First-time fire damage claims typically result in 10-20% increases. Multiple claims within 3 years may lead to 25-40% increases or non-renewal. Auto-Owners's Claim Rate Guard (if purchased) can protect against first claim increases.
1) Ensure safety and call 911 if needed, 2) Document everything with photos/video, 3) Prevent further damage if possible, 4) Call Auto-Owners at 1-800-SF-CLAIM, 5) Keep all receipts for emergency repairs, 6) Don't dispose of damaged items until adjuster approves.
Yes, if your home is uninhabitable due to covered fire damage, Auto-Owners's Additional Living Expense (ALE) coverage typically pays for temporary housing, meals above normal cost, and other necessary expenses. Coverage limits are usually 20-30% of your dwelling coverage.