Damage caused by the smoke from a fire in contrast to damaged caused by the actual combustion.
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An extended coverage peril. See Extended coverage peril.
Insurance Encyclopedia
Smoke damage (Property Insurance)
Damages caused by the smoke produced by a fire, but not the actual fire.
Smoke Damage Insurance
Insurance against damage done by smoke from the sudden, unusual, and faculty operation of a heating or cooking unit but only when such unit is connected to a chimney by a smoke pipe and while on the premises described in the Policy. Smoke damage from Fire places and industrial apparatus is excluded. Damage covered by smoke from a hostile Fire is covered by a Fire Insurance Policy rather than the smoke damage Insurance Policy.
Smoke Staining
The process of soot developed from a fire adhering to the contents, walls and windows.
Smoothing
process by which an insurer may protect holders of with-profits policies against market swings by adding to and drawing from a smoothing account created as part of the “investment reserve”.