Fire Damage & Insurance: Coverage, Claim Denials, Buying a Fire‑Damaged Home | Austin Phipps

"Insurance and fire damage can be confusing. In this Q&A, Austin Phipps breaks down what coverage typically includes, when claims get denied (e.g., arson or fraud), whether it’s smart to buy a fire‑damaged home, the risks of lingering smoke odor, and how third‑party fire investigators and subrogation work. What you’ll learn: Will insurance pay for fire damage? When and why fire claims get denied Whether it’s worth buying a house with fire damage What “does insurance cover fire damage?” really means If lingering smoke smell is harmful How insurers use third‑party fire investigators & subrogation Disclaimer: This video is for general information only and isn’t legal or insurance advice. Policies and laws vary—consult your insurer and qualified professionals for guidance on your situation."