Most often, yes. You'll need to check your specific policy for the full scope of coverage, but in general, if the damage was caused by a flame, it's covered. Your best bet is to hire a professional damage restoration company, such as RestoreMore Inc, to help you through the claims process. We know how to avoid some common missteps when it comes to making sure the entire loss is documented and covered. Many homeowners and insurance companies forget, for instance, to consider that your HVAC system will need to be cleaned of soot, and, since fires are extinguished using water, many areas of your home may need to be restored due to water damage even if they weren't directly affected by the fire.