Court Affirms: Smoke Damage Constitutes Physical Loss

EFRU Updates

Nov 29

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A new court ruling on 11/12/25, Maxus Metropolitan, LLC v. Travelers Property Casualty Company of America, debunks insurers who claim that smoke damage isn't physical damage. The court recognized property impacted by smoke and soot is contaminated and requires replacement. Read the legal decision here.

Court Affirms: Smoke Damage Constitutes Physical Loss

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