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Yes, a seller is legally required to disclose any known fire damage when selling a house, including damages that were repaired. That includes damages to structural components and all major systems, as well as water damage, chemical damage, and smoke damage related to the fire. Sellers use a property disclosure statement, which is regulated by each state individually, to disclose fire damage.

The timeline for fire damage restoration varies significantly, from a day or two to over a year, depending on the extent of the damage. For minor incidents like a small cooking fire, cleaning up soot and removing smoke odors may only take a day or two. Repairing minor damage might take about one to two weeks. However, a major fire requiring structural repairs, full property renovation, and replacement of materials can take anywhere from six to 12 months to over a year. This longer timeline often includes waiting for insurance approvals and contractor scheduling. It's best to consult with your insurance provider and restoration team to get an accurate timeline for your specific situation.

All of the components of stucco are non-combustible, so the siding material won’t ignite or spread fire to the interior of your home. However, it also expands and contracts with changes in temperature, so it will crack from long exposure to heat. Eventually, fire will spread through those cracks. Still, stucco is one of the best siding materials for fire protection and can keep you and your family safe for an hour, on average.

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.