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Chimney Sweep 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.

You’ll know you have smoke damage if you notice a lingering smoky odor, see soot or residue, or spot any discoloration of surfaces in your home. If you have any kind of house fire, always assume you have smoke damage and hire a professional who deals with smoke damage to assess the extent of the damage and restore your home to its pre-fire condition.

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.

Smoke can be tricky to remove from your home, especially after a fire. The best way to eliminate the smell is to open the windows to increase ventilation and air circulation in your house. Then, use white vinegar to wipe down walls, furniture, and floors. Try steam-cleaning carpet and other upholstered items to remove the smell of smoke.

The first step in fire damage restoration is having a pro come in right away to help control moisture (if authorities used water to extinguish a fire at your home). Skipping moisture removal puts your home at risk for invasive mold and rot that can cause added property damage and health issues. Once you have the bulk of the water out, you’ll need to run blower fans for 24 to 72 hours to remove moisture.

The Hallock, MN homeowners’ guide to chimney sweeping services

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