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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.

If your oven is new, then it’s likely that the oven smoking is due to it being a new unit. In this case, you don’t need to worry about the oven smoking. However, if your oven is old, you can’t identify any burnt food or grease that could be behind the smoking, or you have concerns about the heating element, then you should hire an oven technician to inspect your unit.

It depends. For new ovens, it’s best to run a few empty cycles to prepare the oven for use and to keep any manufacturing byproducts from entering your food. But if your oven is smoking due to a few burnt pieces of old food, then it probably won’t hurt to eat it. If there’s a lot of smoke, then your food probably won’t taste good, even if it might not be harmful to consume.

Luckily, you can typically eliminate your microwave’s burnt smell within a few hours for most situations. Be sure to let it air out for two to three hours after cleaning to let the odor evacuate your home—if you close your home up too early, the odor will be trapped. For stronger, more stubborn burnt smells, it might take a full day or more to really notice a difference.