If smoke damage results from a fire left unattended, how much would a Standard Fire policy pay?

In the context of a Standard Fire policy, coverage for smoke damage arising from an unattended fire is not typically included. Standard Fire policies generally provide coverage for direct damage to property caused by fire, but they often specify that damages incurred as a consequence of negligence, such as leaving a fire unattended, may not be covered. Therefore, in this scenario, if the smoke damage is a result of a fire that was left unattended, the policy would pay nothing.

This reflects the principle in property insurance where acts of negligence may disqualify claims, particularly regarding the need for reasonable care when managing fire hazards.