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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.

Depending on the amount of soot present, you can vacuum some of it using a brush attachment on your vacuum cleaner. Then, remove the leftovers with a mild cleaner, such as dish soap or vinegar mixed with water. Before applying a cleaning solution, saturate the bricks with clean water to prevent the cleaner from penetrating beyond the surface and causing structural damage to the bricks.

All of the components of stucco are non-combustible, so the siding material won’t ignite or spread fire to the interior of your home. However, it also expands and contracts with changes in temperature, so it will crack from long exposure to heat. Eventually, fire will spread through those cracks. Still, stucco is one of the best siding materials for fire protection and can keep you and your family safe for an hour, on average.

In many cases, professionals can completely remove certain types of smoke damage from walls and ceilings, but it’s only possible if the damage is minor. For more extensive damage from major fires, you’ll likely need to replace the damaged materials entirely. Some items, like upholstered furniture, are much trickier to clean and might need to be replaced even if the smoke damage is minimal.