Fire losses vary more widely than any other restoration category, from a contained kitchen fire needing cleaning and deodorization to a structural loss requiring demolition and full rebuild. What drives the number: the burn area, how far smoke and residue traveled, the residue type (protein and wet smoke cost more to clean than dry smoke), how much suppression water entered, whether the HVAC needs decontamination, and the reconstruction scope — which on larger fires is the majority of the total.
Fire and smoke damage is covered by essentially every homeowner's policy, including smoke damage to areas the flames never reached — and adjusters expect professional cleaning, deodorization, and contents processing as standard line items on fire claims. Two things protect your claim: document everything before cleanup begins, since photos of residue are evidence that disappears as work proceeds, and insist on item-by-item contents assessment rather than a blanket total-loss assumption. Good contents cleaning routinely saves things families had written off.
We provide a free assessment, a written line-item scope, and direct billing to your carrier. If you're displaced, we can also help document additional living expenses, which most policies cover.