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Hazard insurance is the part of your overall homeowner's insurance policy that covers the structure of your home and other structures on your property, as well as any personal property within those structures. When a lender requires you to get hazard insurance for your new home purchase, they’re referring to a standard homeowner’s insurance policy.

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.

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.

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.