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You’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 who deals with smoke damage to assess the extent of the damage and restore your home to its pre-fire condition.

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.

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’re referring to a standard homeowner’s insurance policy.

It is generally not safe to live in a house with smoke damage, as even minor damage can pose long-term health hazards and structural risks. While it might seem safe temporarily depending on the severity, you should relocate if there is major damage or visible soot. Smoke smells and residue contain dangerous particulates and chemical compounds, including carcinogens, that are hazardous to breathe and can cause respiratory issues. These signs of damage are not always visible but can have dangerous short-term and long-term effects on your health, belongings, and your home's structural materials. You should not stay in the house until a trained professional from a smoke remediation or restoration company has assessed the damage and determined it is safe to return. Your insurance company may cover the cost of alternative housing while the professional work is completed.