For fire damage claims, does the floor plan layout have to be exactly the same as the original floor plan?

In the event of fire damage to a property, the floor plan layout does not necessarily have to be exactly the same as the original floor plan. However, the insurance company will likely require some form of proof of the original floor plan layout and any changes that were made after the property was built. The insurance company will typically investigate the fire damage claim to determine the cause and extent of the damage. This may involve inspecting the property, reviewing any available documentation, and speaking with witnesses or experts. If the insurance company determines that the floor plan layout has changed since the property was built, they may request additional information, such as:

• Documentation of the original floor plan: The insurance company may request documentation, such as blueprints or building permits, that show the original floor plan layout.
• Documentation of any changes made: If changes were made to the floor plan, the insurance company may request documentation, such as building permits or invoices from contractors, that show what changes were made and when.
• Evidence of the value of the property: If the floor plan has changed, the insurance company may adjust the value of the property based on the current layout and any changes that were made.

It is important to note that the specifics of fire damage claims can vary depending on the insurance policy and the specific circumstances of the claim. It is always a good idea to carefully review your insurance policy and consult with your insurance provider if you have any questions or concerns about your coverage or the claims process.