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Yes, most insurance plans cover acts of nature. In policy documents, this also may be called “Acts of God” or “natural disasters.” However, not all acts of nature are covered by your policy, and the extent to which they’re covered depends on your specific contract. Check your policy documents to understand your coverage limits and exclusions.

If untreated, smoke damage is definitely toxic. Carbon and tar are two types of toxic chemicals in smoke that can damage your lungs and other parts of your body if you breathe them in for long periods of time. If you still smell smoke after the fire, it’s important that you call your restoration team for support.

Baking soda is an effective fire reduction method. However, flour and baking powder are very dangerous around flames. Flour is flammable and it can also conduct electricity. The combination can cause serious injury from electrical shock and worsen the situation by adding fuel to the fire. Baking powder is also not an option as it's also highly flammable. 

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.