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Homeowners insurance does not cover DIY mistakes, so tread lightly if you plan to tackle your own home repairs or renovations. If you cause damage to your home while attempting repairs or renovations yourself, the cost of fixing the damage is often considered your responsibility. Most policies only cover damage caused by covered perils like fire, theft, or weather—not by homeowner errors.

Smoke damage will not go away on its own, but with professional remediation and restoration, you can return your home to its original condition after a fire. Trained smoke restoration professionals can eliminate smoke damage, which can affect areas of your home that are hard to see or access, and restore or replace smoke-damaged materials.

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.

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.