Are Fire and Smoke Damage Covered by Insurance?

Fire and smoke damage are typically covered by most homeowners’ insurance policies. However, coverage may vary, so it’s essential to review your policy and understand its terms and limitations.

How Long After a Smoke and Fire Damage Restoration Can I Move Back In?

The timeline for moving back into a fire-damaged property usually depends on the extent of the damage and the progress of the restoration work. It’s advisable to wait until professionals deem the property safe, habitable, and free from hazards.

What to Do After Smoke Damage Happens in Your Home?

After smoke damage occurs, prioritize safety, document the damage for insurance purposes, and contact a professional restoration company to assess and address the damage promptly.

Can You Clean Smoke Damage Yourself?

While some minor smoke damage can be addressed with DIY cleaning, it’s generally recommended to hire professionals for thorough smoke damage restoration. They have the expertise and equipment to ensure complete and safe removal of smoke residues and odors.

Does Smoke Damage Ever Go Away?

If left untreated, smoke damage can persist and worsen over time. However, through professional cleaning and restoration processes, the impact of smoke damage can be significantly reduced or completely eradicated. These methods not only address visible staining but also tackle odors, ensuring that the affected area is restored to its pre-damaged condition.

How Long After a Smoke and Fire Damage Restoration Can I Move Back In?

The timeline for moving back into a fire-damaged property usually depends on the extent of the damage and the progress of the restoration work. It’s advisable to wait until professionals deem the property safe, habitable, and free from hazards.

What to Do After Smoke Damage Happens in Your Home?

After smoke damage occurs, prioritize safety, document the damage for insurance purposes, and contact a professional restoration company to assess and address the damage promptly.

Can You Clean Smoke Damage Yourself?

While some minor smoke damage can be addressed with DIY cleaning, it’s generally recommended to hire professionals for thorough smoke damage restoration. They have the expertise and equipment to ensure complete and safe removal of smoke residues and odors.

Does Smoke Damage Ever Go Away?

If left untreated, smoke damage can persist and worsen over time. However, through professional cleaning and restoration processes, the impact of smoke damage can be significantly reduced or completely eradicated. These methods not only address visible staining but also tackle odors, ensuring that the affected area is restored to its pre-damaged condition.

How Long Does Fire Damage Restoration Take?

The timeline for fire damage restoration varies significantly depending on the scope of the damage. Smaller-scale projects may require several weeks while addressing more extensive damage can extend the restoration process to several months.

How Do You Restore After a Fire?

To restore after a fire, follow these steps:

  1. Ensure safety and contact authorities.
  2. Assess the damage and call a professional restoration company immediately.
  3. Document the damage for insurance claims.
  4. Remove soot and smoke residues.
  5. Repair structural damage and replace damaged items.

Why Is Fire Damage Restoration Important?

Fire damage restoration is crucial because it helps in removing health hazards, restoring property value, and ensuring the safety and habitability of a fire-damaged property. It also helps prevent long-term structural issues and odors.

What Is Smoke Damage Restoration?

Smoke damage restoration refers to the process of cleaning and restoring a property that has been affected by smoke and soot from a fire. It involves removing smoke residues, deodorizing, and restoring surfaces and belongings to their pre-fire condition.

What Is Fire Damage Restoration?

Smoke damage restoration refers to the process of cleaning and restoring a property that has been recently affected by smoke and soot from a fire. It involves removing smoke residues, deodorizing, and restoring surfaces and belongings to their pre-fire condition.

What types of fires are not extinguishable by water?

[VIDEO] Flammable liquids and gases, electrical fires, combustible metals, and kitchen fires involving cooking oils and fats.

 

How do I clean furniture after a fire?

[VIDEO] To remove soot and smoke from walls, furniture and floors, use a mild soap or detergent or mix together 4 to 6 tbsp. tri-sodium phosphate and 1 cup household cleaner or chlorine bleach to every gallon of warm water. Wear rubber gloves. Be sure to rinse surfaces with clear warm water and dry thoroughly.

 

What are some of the main causes of fire?

[VIDEO] Fires are mainly caused from dried leaves, faulty electrical wiring or equipment, unattended stoves and ovens, unattended candles, children playing with fire, flammable liquids, and careless smoking.

What is a policy limit?

Your policy limit is the amount of money available to cover your claim.

 

Can fire smoke damage my eyes?

Yes. Exposure to any smoke can irritate the eyes and cause breathing and other health issues. With a modern fire many synthetic materials will be burnt – they produce hazardous and toxic materials that should be cleaned by trained professionals.

Can fire extinguisher dust be cleaned from carpet?

[VIDEO] Yes, but it is recommended that the work be done by professionals. The residue is an irritant and can cause discomfort and/or breathing problems; and can irritate the skin.
 

 

Can I use water to put out a fire?

[VIDEO] It depends on the specific nature of the fire. The BEST plan is to have at least 1 “ABC” fire extinguisher in your home. They are rated for ever type of fire. If you know the fire does not involve electricity or grease (in a kitchen) or another type of fuel – then water is fine. If you have any doubt about your ability to put out a fire very quickly, the best course of action is to leave the home with all of your family and to call the fire department – from OUTSIDE of the home.

 

What is the first thing I should do after a fire?

[VIDEO] Call PuroClean to come to your home to help do an assessment of the extent of the damage! They can begin remediation efforts immediately – which is the best way to minimize the damage of reduce the costs of the event. Even a “small” fire results in smoke/soot/odor throughout the home.

Can I inspect my house after the fire?

[VIDEO] Legally, only a licensed inspector like a structural engineer or industrial hygienist can determine the safety of a building. Besides, the risk of checking the fire damage yourself is too great. Call a professional.

How do I secure my property after the fire?

[VIDEO] Most restoration companies also provide board-up services to prevent possible theft. A proper board-up should include using 3/8″ plywood with 2x4s bolted from inside the dwelling over windows. The front door should have a secure lock.

Is my loss a covered claim?

[VIDEO] It depends on your specific policy. Call your insurance agent and/or adjuster to find out if the loss is covered in your policy.

Can I stay in my home during the fire damage restoration process?

[VIDEO] This depends on the degree of the damage, your home’s layout, and your comfort level. As an alternate plan, talk with your insurance agent about off-site housing and staying at a hotel – these might be covered by your policy.

Can I put out an electrical fire with water?

[VIDEO] No! Water conducts electricity and can deliver a potentially deadly electric shock. If the fire is from an appliance and you can safely unplug it, go ahead. You can also use a heavy blanket to cut off its oxygen supply and smother it, or you can use a fire extinguisher designed for a Class C fire.

How do I clean my dryer vent to prevent fires?

[VIDEO] Clean the lint filter before and after each load of laundry. Don’t forget to clean the back of the dryer where lint can build up. Clean lint out of the vent pipe every three months. Have your dryer cleaned regularly by a professional, especially if it is taking longer than normal for clothes to dry.

 

Do I really need professional cleanup if the fire was small?

In most losses, cleaning the soot and smoke is the toughest part. Moreover, even small fires can cause major damage within minutes and leave lingering odors if not cleaned up properly. If you don’t act within a day or two of the fire, soot and smoke can leave permanent damage. Restoration professionals have the tools and know-how to restore your home as fast as possible and mitigate the loss.

What should I do with the water that was used to put out the fire?

Water can lead to more damage such as mold growth. Reputable restoration companies also extract the water from the damaged area as part of the fire restoration job.

How long will the restoration process take?

The length of time varies on the extent of the damage. Additionally, local authorities and your insurance agent will also want to investigate the damage before the restoration company can start the cleanup.

What should I do with all the water that was used to put out the fire?

Water can lead to more damage such as mold growth. Reputable restoration companies also extract the water from the damaged area as part of the fire restoration procedure.

What should I throw away after a fire?

Food safety after a fire is a huge issue, so you should discard non-perishable food exposed to heat, smoke, and firefighting chemicals, as well as perishable food left at room temperature for too long. However, you might be able to salvage refrigerated and frozen food after a fire. You should also throw out medicines, cosmetics, and burned clothing.Inventory non-restorable items to support your claims. Be sure to include the name, cost, and the year each item was purchased. Photos documenting the loss are great too.

What are the signs of an electrical fire?

Circuit breaker keeps tripping, persisting burnt smell with no identifiable source, several discolored or charred outlets and switches, or you have old or outdated wiring.

What should I do if I am on fire?

STOP! Moving or running feeds air to the flames and worsens the fire. DROP to the floor—if you stand up, the fire can burn your face. ROLL slowly on the floor or ground in a rug or blanket if you can. COOL off as soon as possible with water for first and second-degree burns.

How long will the restoration process take?

The length of time varies on the extent of the damage. Additionally, local authorities and your insurance agent will also want to investigate the damage before the restoration company can start the cleanup.

Can I stay in my home during the fire damage restoration process?

This depends on the degree of the damage, your home’s layout, and your comfort level. As an alternate plan, talk with your insurance agent about off-site housing and staying at a hotel – these might be covered by your policy.

What should I do with the water that was used to put out the fire?

Water can lead to more damage such as mold growth. Reputable restoration companies also extract the water from the damaged area as part of the fire restoration job.

Do I really need professional cleanup if the fire was small?

In most losses, cleaning the soot and smoke is the toughest part. Moreover, even small fires can cause major damage within minutes and leave lingering odors if not cleaned up properly. If you don’t act within a day or two of the fire, soot and smoke can leave permanent damage. Restoration professionals have the tools and know-how to restore your home as fast as possible and mitigate the loss.

Can I inspect my house after the fire?

Legally, only a licensed inspector like a structural engineer or industrial hygienist can determine the safety of a building. Besides, the risk of checking the fire damage yourself is too great. Call a professional.

How do I secure my property after the fire?

Most restoration companies also provide board-up services to prevent possible theft. A proper board-up should include using 3/8″ plywood with 2x4s bolted from inside the dwelling over windows. The front door should have a secure lock.

What is the first thing I should do after a fire?

Call your insurance agent and submit your claim. He or she will provide you with information on securing your home, hiring a reliable restoration company, and more.