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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 thing you should do when cleaning smoke damage is open all your windows to ventilate the affected area and run an air purifier with a HEPA filter. Cover your furniture and belongings to prevent soot accumulation, and vacuum any soot that’s on the floor and other surfaces. Be sure to wear a mask, gloves, and eye protection when cleaning the affected area.

Smoke can be tricky to remove from your home, especially after a fire. The best way to eliminate the smell is to open the windows to increase ventilation and air circulation in your house. Then, use white vinegar to wipe down walls, furniture, and floors. Try steam-cleaning carpet and other upholstered items to remove the smell of smoke.

Luckily, you can typically eliminate your microwave’s burnt smell within a few hours for most situations. Be sure to let it air out for two to three hours after cleaning to let the odor evacuate your home—if you close your home up too early, the odor will be trapped. For stronger, more stubborn burnt smells, it might take a full day or more to really notice a difference.