Insurance claims are paid for damage that is resultant.

An example is if you have a fire as a result of leaving a hot iron on a shirt which bursts into flame and burns the ironing board. The fire and smoke damage is covered but the shirt which burst into flame is not.

It is always best to talk to the adjuster or your agent or broker if you think you might have a claim. Remember that insurance claims often cover foolish mistakes.

An occurrence might be covered that you would not consider - such as spilling paint on your carpet or a log sparking onto the carpet from the fireplace. You will likely lose your claims free discount but you will be able to restore the carpet and that will often outweigh the savings of a discount.