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Water and Smoke Damage Repair questions, answered by experts

After a house fire, you should not reenter your home unless the fire crew has told you it’s safe to do so. In the longer term, you should not attempt to make repairs to the house on your own. Professional crews are trained to clean up after a fire (including smoke and soot damage), dry out any water damage from the firefighter crews, and make the necessary structural, plumbing, and electrical repairs—and this is all likely covered by insurance.

Most projects take 1-8 weeks, depending on structural repairs, cleaning, and air quality restoration.

Yes, most insurance plans cover acts of nature. In policy documents, this also may be called “Acts of God” or “natural disasters.” However, not all acts of nature are covered by your policy, and the extent to which they’re covered depends on your specific contract. Check your policy documents to understand your coverage limits and exclusions.

Homeowner’s insurance will almost always cover fire damage and repairs unless your insurer finds the fire was caused intentionally. In most cases, if the fire was an accident, your provider will cover the cost of emergency services, like roof tarping and emergency securing, as well as the actual fire damage remediation and buildback to bring your home back to its previous condition. They should also cover alternative housing for as long as the fire damage restoration takes. You’ll just be responsible for paying the deductible.

Depending on who’s doing the estimating, about 22,000 to 25,000 chimney fires happen each year in the United States. Given the fact that millions of Americans have fireplaces (and chimneys), that means chimney fires aren’t exactly common—but they’re not rare, either. Since they’re so dangerous, it’s important to take precautions to prevent them.

The Bethel, AK homeowners’ guide to water and smoke damage repairs

From average costs to expert advice, get all the answers you need to get your job done.