Does My Homeowners Insurance Cover Smoke Damage in California?

California wildfires cause extensive smoke damage, yet insurers often deny related claims. Learn when smoke is covered and how to respond if your insurer refuses to pay.

Does My Homeowners Insurance Cover Smoke Damage in California?

By Jasmine Daya, Esq. – Geraci LLP

Smoke damage is one of the most common — yet most frequently denied — types of property claims after a wildfire in California. Many homeowners are shocked to learn that even with a valid policy, their smoke-related claim is rejected or underpaid.

Here’s what you need to know to protect your property, your rights, and your financial recovery.

When is smoke damage covered in California?

In most California homeowners insurance policies, fire and smoke are included under standard perils. That means:

• You do not need flames to touch your home to be covered.

• Smoke infiltration, ash, and soot that damage air quality, HVAC systems, furniture, or walls may all be compensable.

• Secondary health-related damage (e.g., mold from smoke residue + water) may be claimable depending on policy language.

Common smoke damage denial tactics

At Geraci LLP, we frequently see insurers use these tactics:

• Claiming the smoke didn’t cause “physical damage”

• Denying coverage if no flames touched the structure

• Arguing that damage is “cosmetic” or “wear and tear”

• Demanding unreasonable proof or documentation

• Offering lowball settlements well below cleanup costs

What to do if your smoke damage claim is denied

1. Get a detailed explanation of the denial in writing

2. Request a smoke/air quality test by an independent expert

3. Photograph and document all interior damage

4. Review your policy — especially exclusions, limitations, and language like “direct physical loss”

5. Call an attorney if the insurer delays, denies, or undervalues your claim

Why this matters now in Southern California

Los Angeles, Ventura, Riverside, and San Bernardino counties have seen repeated wildfire events in 2024 and 2025. Even when homes are untouched by flames, smoke and ash infiltrate structures, leaving long-lasting damage. Insurance companies often bank on homeowners not understanding their rights — don’t give them that advantage.

We can help

At Geraci LLP, we help California homeowners fight denied smoke damage claims and we don’t get paid unless you do. Book a free smoke claim review today and take back control of your recovery.