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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.

Ozone smoke removal uses an ozone generator to eliminate stubborn odors from sources like house fires, wildfires, or cigarette smoke. Ozone (O3) is a highly reactive, unstable gas that neutralizes odors by oxidizing the organic compounds it comes into contact with. During this oxidation process, ozone "donates" its extra oxygen molecule to the smoke particles, effectively eliminating their smell, with oxygen being the primary byproduct. While ozone can be effective for removing smoke smells from building materials and belongings like wood furniture, this treatment is best left to a professional, as improper use of an ozone generator can be dangerous to your health.

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.