Allstate paid $42,800 on a kitchen fire damage claim at my single-family home in Ohio after a grease fire caused direct fire damage to cabinetry and substantial smoke and soot damage throughout the structure including HVAC ductwork, attic insulation, and contents valued at $186,400 in replacement cost, by limiting smoke damage to a 12-foot radius around the kitchen and excluding HVAC, attic, and contents damage as pre-existing or unrelated. Forced $143,600 supplemental settlement using the smoke and soot damage scope framework, the IICRC S700 fire and smoke restoration standard, and the Ohio bad faith claim handling statute. The five-element approach to smoke damage scope disputes on partial structural fires
Posting this because smoke and soot damage scope disputes on partial structural fires are one of the most common policyholder underpayment patterns in homeowners insurance, particularly on kitchen...