Homeowners Insurance Claim
Read the scenario and propose your solution.
Client Scenario
A family's home sustained significant damage from a kitchen fire. The fire department extinguished the blaze, but there is smoke damage throughout the first floor and water damage from the fire hoses. They have an HO-3 policy. What steps should they take to file a claim, and which coverages (A, B, C, D) are likely to apply?
Your Recommendation
Based on the scenario, outline your recommendation. Explain your reasoning clearly.