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In many cases, homeowners insurance covers smoke damage remediation, but coverage depends on the cause of the damage and the specifics of your policy. Typically, damage from a house fire, wildfire, or even a fire in a neighboring home is covered. However, damage from cigarette smoke is generally not covered.

Before filing a claim, review your policy to understand what is covered, such as restoration costs, replacement of damaged items, and temporary relocation. It's crucial to document all damage thoroughly, including to furniture and personal belongings. Contact your insurance provider promptly to start the claim process and get an evaluation before hiring professionals. Your insurer may also provide a list of approved smoke remediation companies to streamline the process.

Smoke smell and odors typically will not go away completely on their own, especially once the particles have penetrated porous materials like walls, floors, ceilings, and furniture. While airing out affected items can help the smell subside over time, it often lingers for months or even years. To effectively remove stubborn smoke odors, you should combine several methods. Start with a thorough deep cleaning and deodorizing using substances like baking soda or activated charcoal. Air purifiers can also help capture airborne particles. In severe cases, you may need to replace heavily damaged materials. If the smell persists after repeated treatments, consider hiring a professional smoke damage restoration company for assistance.

Some of the most common chimney problems include:

• Creosote buildup

• Chimney blockage

• Deteriorating brickwork or stonework

• Cracked chimney top

• Damaged flashing

• Flue liner damage or deterioration

• Damaged chimney cap

If you suspect you have a chimney problem, contact a masonry contractor for an inspection. 

All of the components of stucco are non-combustible, so the siding material won’t ignite or spread fire to the interior of your home. However, it also expands and contracts with changes in temperature, so it will crack from long exposure to heat. Eventually, fire will spread through those cracks. Still, stucco is one of the best siding materials for fire protection and can keep you and your family safe for an hour, on average.