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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 is generally not safe to live in a house with smoke damage, as even minor damage can pose long-term health hazards and structural risks. While it might seem safe temporarily depending on the severity, you should relocate if there is major damage or visible soot. Smoke smells and residue contain dangerous particulates and chemical compounds, including carcinogens, that are hazardous to breathe and can cause respiratory issues. These signs of damage are not always visible but can have dangerous short-term and long-term effects on your health, belongings, and your home's structural materials. You should not stay in the house until a trained professional from a smoke remediation or restoration company has assessed the damage and determined it is safe to return. Your insurance company may cover the cost of alternative housing while the professional work is completed.

As with any smoking appliance, a smoking oven is a concerning fire risk. It also negatively impacts your indoor air quality, which can put vulnerable people at risk of breathing problems. A dirty oven can catch fire if you don’t stay on top of regular maintenance, so remember to check your oven for signs that it’s time for a cleaning and remove buildup every three months to stay on the safe side.

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.