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Yes, most homeowners insurance policies cover fire damage and restoration, provided the fire was not set intentionally or caused by negligence. Accidental fires, such as those from electrical issues, cooking, or gas, are typically covered. Your policy will usually cover emergency services like roof tarping, the full cost of remediation and rebuilding, and may also cover alternative housing while your home is being restored. You will be responsible for paying your policy's deductible. It is important to check your policy details to see how coverage is calculated—it may be for the full replacement cost of damaged items or the actual cash value, which accounts for depreciation. To expedite your claim, contact your insurance company immediately and have all necessary documentation ready.

As with any smoking appliance, a smoking oven is a concerning fire risk. It also negatively impacts your indoor air quality, which can put vulnerable people at risk of breathing problems. A dirty oven can catch fire if you don’t stay on top of regular maintenance, so remember to check your oven for signs that it’s time for a cleaning and remove buildup every three months to stay on the safe side.

The timeline for smoke damage remediation can range from a single day to several months, depending on the extent of the damage, the size of the affected area, and the methods used. For minor damage, such as removing cigarette smoke odors from a single room, the process might take only one to two days and typically involves deep cleaning, painting, and sealing walls. Some methods, like ozone treatments, can take 24 to 48 hours, though multiple treatments may be necessary. More extensive smoke damage, such as from a house fire, can take three weeks or longer to clean and treat. If significant material restoration or replacement is needed, the timeline can extend to six to 12 months. A smoke damage restoration professional can provide a more accurate estimate for your specific situation.

Homeowners insurance does not cover DIY mistakes, so tread lightly if you plan to tackle your own home repairs or renovations. If you cause damage to your home while attempting repairs or renovations yourself, the cost of fixing the damage is often considered your responsibility. Most policies only cover damage caused by covered perils like fire, theft, or weather—not by homeowner errors.