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UPDATED: Oct 28, 2012
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Insurance Question from Arnolds Park, IA
Asked on 10/28/2012
fire coverage there was a fire that started outside, went into the wall and damaged the wall and state farm says they will replace the carpet in that room, if the carpet all matches and is connected, shouldn't they replace it all? it has smoke smell
Answer given on October 29, 2012
If you suffered a fire loss, the insurance company will check the damage and adjust the claim to allow for replacement of the carpeting that was damaged by the fire. If the insurance company cannot match the carpeting that is in the house, they will need to replace all of the carpeting.If there is some damage to the remaining carpet, there are companies which can clean the carpet and remove the smoke smell from the carpet. These companies are experienced in removing such odors, so there should not be a problem with cleaning the carpeting. however, if they cannot remove the smell, then the insurance company should replace the carpeting.Talk to the adjuster if the smell is still in the carpeting. They may send the cleaning company back out to try to clean it again. If it still has the smell, then the adjuster should be willing to replace the carpet.
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