Scorching Damage

In insurance jargon, the term “scorching” denotes damages caused by heat. The difference between scorching damage and fire damage is that scorching does not directly involve open flames.

For example, holes burned into a carpet by a cigarette, hot candle wax or a piece of wood which falls out of the fireplace are considered scorching damage.

Important: Scorching damage is not covered by all household insurance policies. If you like to smoke, use a fireplace, or enjoy candlelight, make sure that scorching caused by so-called “friendly fire” is covered by your insurance policy.

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Expert Benjamin Manz
Benjamin Manz is CEO of and an independent expert on banking and finance.