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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.

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.

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 and unstable gas that effectively neutralizes smoke odors through a process called oxidation. It 'donates' its extra oxygen molecule to the organic compounds causing the smell, altering their structure and eliminating the odor, with oxygen being the primary byproduct. This method can be effective on building materials and furniture. However, because improper use of an ozone generator can be dangerous to your health, this treatment is best left to a professional.

Smoke smell and odors typically will not go away completely on their own, especially once the particles have penetrated porous materials like walls, floors, ceilings, and furniture. While airing out affected items can help the smell subside over time, it often lingers for months or even years. To effectively remove stubborn smoke odors, you should combine several methods. Start with a thorough deep cleaning and deodorizing using substances like baking soda or activated charcoal. Air purifiers can also help capture airborne particles. In severe cases, you may need to replace heavily damaged materials. If the smell persists after repeated treatments, consider hiring a professional smoke damage restoration company for assistance.