After the Fire: First 24 Hours
The first day after a fire is critical. Here's what to do:
Immediate Steps
- Ensure safety — Don't re-enter until fire department clears the structure
- Contact insurance — File your claim immediately
- Secure the property — Board-up and tarping to prevent further damage
- Document everything — Photos, video, inventory of damaged items
- Find temporary housing — Your insurance covers Additional Living Expenses (ALE)
The 6-Phase Restoration Process
Phase 1: Emergency Services (Day 1)
- Board-up and tarping
- Water extraction (from firefighting)
- Temporary power and security
- Initial damage assessment
Phase 2: Assessment & Planning (Days 2–5)
- Detailed damage inspection
- Structural engineering evaluation
- Scope of work development
- Insurance adjuster walkthrough
- Restoration plan approval
Phase 3: Water Removal & Drying (Days 3–7)
Firefighting water causes secondary damage:
- Industrial water extraction
- Structural drying with dehumidifiers
- Moisture monitoring
- Mold prevention treatment
Phase 4: Smoke & Soot Removal (Week 2–3)
- Surface cleaning (walls, ceilings, floors)
- HVAC duct cleaning
- Content cleaning and restoration
- Odor elimination (thermal fogging, ozone, hydroxyl)
Phase 5: Structural Repairs (Weeks 3–12)
- Demolition of unsalvageable materials
- Framing and structural repair
- Electrical and plumbing repair
- Drywall, flooring, and finish work
- Painting and trim
Phase 6: Final Restoration (Weeks 10–16)
- Final inspections
- Content move-back
- Deep cleaning
- Final walkthrough with homeowner
Fire Damage Restoration Costs
| Damage Level | Average Cost | Timeline |
|---|---|---|
| Minor (one room, smoke) | $3,000–$10,000 | 1–2 weeks |
| Moderate (structural, one area) | $10,000–$50,000 | 1–3 months |
| Major (multiple rooms) | $50,000–$150,000 | 3–6 months |
| Total loss rebuild | $150,000–$500,000+ | 6–12 months |
Insurance Coverage for Fire Damage
Fire damage is covered by virtually all homeowner's insurance policies:
- Dwelling coverage — Structural repairs
- Personal property — Contents replacement
- Additional Living Expenses — Temporary housing, food, etc.
- Debris removal — Cleanup costs
Tip: Don't accept the first settlement offer. Get independent restoration estimates and negotiate.
What Can Be Saved?
Professional restoration can save more than you'd expect:
- Electronics — Often restorable with ultrasonic cleaning
- Clothing — Specialized ozone treatment removes smoke odor
- Documents — Freeze-drying preserves water/smoke damaged papers
- Furniture — Refinishing and reupholstering is often cheaper than replacement
Get Fire Restoration Help
Every hour matters after a fire. Submit an emergency request to get matched with certified fire damage restoration specialists who can begin work immediately and coordinate with your insurance company.
