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Smoke Detector Installers questions, answered by experts

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.

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. 

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.

Hard materials like glass, metal, and hardwood floors, washable fabrics, and undamaged electrical appliances can often be salvaged after a fire, although it depends on the extent of the damage. For washable fabrics, make sure to use a phosphate mix during the washing process to extract the smoke smell. There are a few things you should throw away after a fire, like canned foods and cosmetics, even if they don’t look like they’re damaged.

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.

The Halethorpe, MD homeowners’ guide to smoke detector installation services

From average costs to expert advice, get all the answers you need to get your job done.