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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, unstable gas that neutralizes odors by oxidizing the organic compounds it comes into contact with. During this oxidation process, ozone "donates" its extra oxygen molecule to the smoke particles, effectively eliminating their smell, with oxygen being the primary byproduct. While ozone can be effective for removing smoke smells from building materials and belongings like wood furniture, this treatment is best left to a professional, as improper use of an ozone generator can be dangerous to your health.

Costs depend on stone type, surface condition, labor, and whether sealing or deep cleaning is required.