Homeowners insurance provides compensation for events protected under the policy. Covered events can indemnify the policy holder against damage to the home, yard and other structures, personal belonging as well as personal liability if found legally responsible for damage or injury to another. Although homeowner’s insurance is not mandated by law, lenders universally require a policy remain in place for the length of the mortgage to protect the investment. Encumbered properties are subject to force-placed insurance if their policy has lapsed, is cancelled, or has been deemed insufficient. Creditor-placed ‘force’ policies provide rudimentary coverages that protect the mortgagors interests alone and are charged to the mortgagee.
Property Recovery 911 was hired to by a Delaware county homeowner to provide fire restoration services, which in this instance consisted of smoke damage cleaning and odor control. The fire originated on the raised deck at the rear of the home and penetrated the exterior wall, causing smoke damage inside of the home. Upon our arrival we deployed 4 carbon filtered air scrubbers to begin to cleanse the atmosphere.