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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.

Repairing a fire-damaged home could cost anywhere from $2,000 to $200,000 or more—it all depends on the extent of the damage and the quality of the materials you use. In most cases, your homeowner’s insurance company will cover the majority of the repairs. If you’re buying a home with fire damage, though, it’s best to get an estimate from a fire damage restoration company to estimate the repairs before closing.

After a house fire, you should not reenter your home unless the fire crew has told you it’s safe to do so. In the longer term, you should not attempt to make repairs to the house on your own. Professional crews are trained to clean up after a fire (including smoke and soot damage), dry out any water damage from the firefighter crews, and make the necessary structural, plumbing, and electrical repairs—and this is all likely covered by insurance.

The timeline for smoke damage remediation can range from a single day to several months, depending on the extent of the damage, the size of the affected area, and the methods used. For minor damage, such as removing cigarette smoke odors from a single room, the process might take only one to two days and typically involves deep cleaning, painting, and sealing walls. Some methods, like ozone treatments, can take 24 to 48 hours, though multiple treatments may be necessary. More extensive smoke damage, such as from a house fire, can take three weeks or longer to clean and treat. If significant material restoration or replacement is needed, the timeline can extend to six to 12 months. A smoke damage restoration professional can provide a more accurate estimate for your specific situation.