Fire costs scale with burn area, smoke travel, residue type, suppression water volume, HVAC involvement, and rebuild scope. Two Tempe-specific factors add to that: building age, since pre-1990 construction may require asbestos testing and abatement before demolition, and occupancy type, since multi-unit losses require documenting damage separately per unit for separate claims.
In condos and apartments the coverage split follows the same general shape as water losses — your policy covers your unit's interior, the neighbor's covers theirs, the HOA master policy covers common elements — with the details in your CC&Rs. Smoke-only damage in an adjacent unit is a legitimate, claimable loss, and it's frequently overlooked because there's nothing visibly burned. We document each affected unit separately so those claims can actually be filed.
For Mill Avenue and corridor businesses, the real cost is closure. We prioritize reopening, work overnight where it helps, address health-department-relevant cleaning for food service, and document business interruption alongside the physical loss for your commercial policy. Free assessment, written line-item scope, direct insurance billing on all of it.