Fire Damage Repair

Most often, yes. You'll need to check your specific policy for the full scope of coverage, but generally, it's covered if a flame caused the damage. Your best bet is to hire a professional restoration to help you through the claims process. We know how to avoid some common missteps when it comes to making sure the entire loss is documented and covered. Many homeowners and insurance companies forget, for instance, to consider that your HVAC system will need to be cleaned of soot. Since fires are extinguished using water, many areas of your home may need to be restored due to water damage, even if they weren't directly affected by the fire.

Depending on the extent or location of the fire damage, some homeowners can move back in a few days or longer. The fire department will usually turn off electricity and gas to the property immediately, which won't be restored until a building inspector says it's safe to turn those utilities back on. Suppose you experienced significant smoke damage and the home's occupants include elderly persons, young children, or those with chronic health conditions. In that case, you may be wise to stay until the smoke cleanup is complete. Contracting with a company experienced in fire damage restoration can often get you back home sooner because they'll have the resources to hire and manage the many tradespeople who will need to work together to make the home liveable again.

DIY soot removal is not recommended. Commercially available products can actually cause permanent damage to surfaces. Soot itself is primarily oil-based, but that residue also contains toxic, possibly biohazard contaminants.

Smoke damage is rarely limited to one area of the house, and it leaves behind a residue that can hide in crevices and out-of-reach areas, and a simple "airing out" may not be sufficient. We recommend consulting with a smoke damage technician who can help you troubleshoot the next steps.

Insurance coverage is very situationally dependent. Each policy from each different company will have different levels and types of coverage. The best way to know if your damage is covered is to keep a copy of your policy on hand and call your agent directly with any questions you might have.

As a homeowner, seeing your home damaged is extremely stressful and it's difficult to know the right course of action. Will trying to clean up on your own help or just make things worse? No matter what kind of damage you've incurred, the very first thing you should do is take photographs as long as the area is safe for you to be in. If you have water damage, the best thing to do is extract as much standing water as you possibly can while you wait for help. If you have fans, set them to start drying things as much as possible. They won't be enough to completely dry the area, but they can help to minimize the chance of secondary damages. In the event of mold or fire, it's best to just leave the damage alone until a professional can address it. Disturbed mold can disperse spores throughout the home and fire damages can be made worse if improper cleaning techniques are used.