Glossary · damage
Smoke Residue
Particulate and chemical byproducts of combustion.
Smoke residue varies by fuel source. Protein fires, synthetic fires, and natural fires leave different residues. Each requires different remediation approaches.
In practice
Where you encounter "Smoke Residue" in Florida claims
Policyholders see "Smoke Residue" referenced in policy language, claim correspondence, and carrier scope of loss documents. Knowing the precise definition under Florida practice keeps you from accepting carrier framing. See also FS 626.854 and FS 627.70131.
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Related terms
Pure Loss
Damage where the item cannot be restored and must be replaced.
Total Loss
Damage at or exceeding the cost to replace the entire structure or item.
Constructive Total Loss
Damage where repair cost exceeds replacement value.
Partial Loss
Damage less than total.
Code Upgrade
Repair component required by current building code.
Water Damage
Damage from water in any of several categories.
Know the law
Related statutes
FS 626.854 Public Adjusters
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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Where else this term matters
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Glossary
Related insurance terms
Matching
Related glossary entry: Matching.
Materials Tax
Related glossary entry: Materials Tax.
HO-3 Policy
Related glossary entry: HO-3 Policy.
Reservation of Rights
Related glossary entry: Reservation of Rights.
Geographic Concentration Risk
Related glossary entry: Geographic Concentration Risk.
Rebuild Cost
Related glossary entry: Rebuild Cost.
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- ✓No fee unless we recover more than you were offered
What kind of damage?
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