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How Coverage Depends on Cause and Policy Language Whether your fire damage is covered often depends on: Whether the fire was caused by a covered peril (accident, electrical issue, lightning, etc.) Whether it was a named peril policy vs an open peril What the deductible is, what your limits are, and whether you bought endorsements What your policy says about loss of use and liability Whether smoke or soot damage is treated separately or as part of fire damage For instance, if fire is started by another peril (like a lightning strike), it is likely covered even if the peril that triggered the fire is excluded (flood, for example) as long as the fire itself is a covered loss

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Because carbon monoxide is lighter than air, it will float upward

Lehmann et al