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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.

It depends. For new ovens, it’s best to run a few empty cycles to prepare the oven for use and to keep any manufacturing byproducts from entering your food. But if your oven is smoking due to a few burnt pieces of old food, then it probably won’t hurt to eat it. If there’s a lot of smoke, then your food probably won’t taste good, even if it might not be harmful to consume.

Regular HVAC filter changes, deep cleaning, and air quality monitoring help maintain a healthy environment.

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.