Why garage fires are different
Fuel, tires, foam and plastics burn hot and produce wet smoke that penetrates everything and travels through the attic the garage shares with the house. Lithium battery and charger fires have added a new ignition source in every suburb from Lynnwood to Bonney Lake. The garage is often a total loss internally; the house above and beside it is a smoke loss throughout.
Scope
Garage structure, roof and door; the fire-rated separation wall and ceiling rebuilt as a rated assembly to current code; electrical replaced; rooms above and beside restored; attic insulation removed and replaced house-wide; wet-smoke cleanup and deodorization throughout; contents in the garage inventoried against the homeowners policy and its sub-limits; the vehicle under your auto policy.
On the claim
Mitigation and the approved rebuild billed directly to your insurer on covered work, with the rated-assembly and other code-upgrade items separated for ordinance-or-law coverage; your deductible applies as your policy states.
