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Q: What is the difference between hazard insurance and homeowners insurance?

• <div><p>Hazard insurance is the part of your overall homeowner's insurance policy that covers the structure of your home and other structures on your property, as well as any personal property within those structures. When a lender requires you to get hazard insurance for your new home purchase, they&rsquo;re referring to a standard homeowner&rsquo;s insurance policy.</p></div>

Q: What costs are involved in fire or smoke damage restoration services?

• <div><p>Restoration services typically state costs ranging from a few thousand to several tens of thousands, depending on the extent of the damage.</p></div>

Q: Does homeowners insurance cover smoke damage?

• <div><p>Yes, most homeowner&rsquo;s insurance companies cover smoke damage if it stems from a covered issue, like a house fire or a wildfire. If you&rsquo;re unsure, you can read through your policy or call your provider immediately after the event to see if the damage is covered. Make sure to document all of the damage, including damage to furniture and other items, when you file an insurance claim so you can be properly compensated.</p></div>

Q: How do you detect smoke damage?

• <div><p>You&rsquo;ll know you have smoke damage if you notice a lingering smoky odor, see soot or residue, or spot any discoloration of surfaces in your home. If you have any kind of house fire, always assume you have smoke damage and hire a professional <a href="https://www.angi.com/articles/who-to-call-for-smoke-damage.htm">who deals with smoke damage</a> to assess the extent of the damage and restore your home to its pre-fire condition.</p></div>

Q: Does insurance cover acts of nature?

• <div><p>Yes, most insurance plans cover acts of nature. In policy documents, this also may be called &ldquo;Acts of God&rdquo; or &ldquo;natural disasters.&rdquo; However, not all acts of nature are covered by your policy, and the extent to which they&rsquo;re covered depends on your specific contract. Check your policy documents to understand your coverage limits and exclusions.</p></div>

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Verified Reviews for Water And Smoke Damage Repair pros in Afton, IA

*The Angi rating for Water And Smoke Damage Repair companies in Afton, IA is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Water And Smoke Damage Repair needs.

*The HomeAdvisor rating for Water And Smoke Damage Repair companies in Afton, IA is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Water And Smoke Damage Repair needs.

Last update on November 25, 2025

Reviewed in January 2023
The two guys were very fast, efficient and cleaned up all of the mess. There was damage to one window screen, one panel of the patio door and missing part for the door which they are replacing and taking care of it for us. We were very pleased.
Renewal by Andersen
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Reviewed in May 2019
D & E did the fill dirt around our house to help with the water issues in our basement. They did an amazing job and it was very affordable.
D AND E OUTSIDE SERVICES, LLC
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Reviewed in June 2017
Great! They were very professional and did it in a timely fashion. They took care to not damage anything on the inside or the outside.
American Exteriors
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Reviewed in November 2016
They did an excellent job. Had to have a couple things repaired that was caught in the home inspection. The job was quick. The cost could always be cheaper but I was only charged a service call.
Mr. Electric of Omaha
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Reviewed in September 2016
Excellent! The problem was solved with the diagnosis from Neighbors.I had been having problems with drains in one of my rental homes. I was in New York when it happened. Water was coming down through the ceiling and into the basement. I asked neighbors to come and help diagnose the problem and...
Neighbors Heating Cooling Plumbing & Geothermal
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Reviewed in October 2014
The guys were prompt, polite, careful, and cheerful. Very patient with my elderly mother. After they left we realized her 19" flat screen tv had been damaged. I called the company the next morning and less than an hour later there was a man at the door with a brand new 27" flat screen tv - the...
Two Men And A Truck
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Reviewed in April 2014
He asked what model sewing machine I have, it is a Husqvarna, and he gave me the name of a store that does repair them. The name of that store is Quilting Connection. I will give you a report on them after I get my machine in and repaired. He could have had me bring my machine in and try to...
DAN'S REPAIR & MACHINE
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Reviewed in July 2013
I had gone without water for two weeks, because the plumbers' businesses in my county did not come when they promised, nor would they return calls, nor say why they didn't want the job, nor give any other professional response. But Mike came within hours of my call, from the next county over. ...
Mike's Plumbing and Pump Service
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Reviewed in June 2013
We hired Iowa Wildlife Control in May of 2012 for a simple job that was to take a week to complete. Three months later the job was still not done and the owner of the company sent me an email saying he has "given up". But he would not return the payment for his services! During the three months...
Iowa Wildlife Control
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Reviewed in March 2013
The water softener doesn't work as well as the softener that we replaced. Service provided to fix the problem is not acceptable. We are going to replace this softener with a different brand from a different company.
Culligan Water of Atlantic
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Handyman for Multiple Small Project Service

Asphalt Shingle Roofing Installation and Replacement

Interior Painting or Staining Service

Verified Reviews for Water And Smoke Damage Repair pros in Afton, IA

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FIVE ONE FIVE RESTORATION, LLC

FIVE ONE FIVE RESTORATION, LLC

Extreme Property Renovation

Extreme Property Renovation

RC HOMES & REMODELING

RC HOMES & REMODELING

Des Moines Junk

Des Moines Junk

baumgardner construction

baumgardner construction

Pettit's Roofing

Pettit's Roofing

Gary's Carpet Service, Inc.

Gary's Carpet Service, Inc.

WELLS WAY CARPET CLEANING

WELLS WAY CARPET CLEANING

SERVPRO

SERVPRO

Dave Navarro Construction

Dave Navarro Construction

The Afton, IA homeowners’ guide to water and smoke damage repairs

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