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Fire restoration pricing is driven less by the size of the fire than by what the fire, smoke, and firefighting water touched. A contained kitchen flare-up that leaves smoke residue throughout the home can cost more than a small structural fire in an unfinished space. The biggest cost drivers are the volume and type of smoke (greasy protein smoke and synthetic soot are far harder to clean than dry paper or wood smoke), how much structure has to be demolished and rebuilt, and how much of your contents can be cleaned versus replaced. Fire damage is commonly covered under the dwelling and contents portions of a standard homeowners policy, so many clients pay only their deductible — confirm the specifics of your coverage with your carrier or agent.

What Affects Your Cost

  • Severity & spread of the fire — surface smoke vs. structural burn-through
  • Type of smoke residue (dry, wet/greasy protein, synthetic/plastic) & cleanability
  • Square footage and number of rooms affected by soot or odor
  • Water damage from firefighting and the drying required afterward
  • Volume of contents needing cleaning, deodorizing, or replacement
  • Extent of demolition and reconstruction needed to rebuild
  • Specialty work — electrical or hazardous material handling

How Insurance Helps

Coverage, deductibles, and payment timing vary by policy. We document the restoration scope with photos, readings, and written assessments so your carrier has the information needed to review covered work.

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