The Average Costs Of Fire Restoration

Claims paid out of pocket by the homeowner or renter can range from $500 to a few thousand dollars. This all depends on the policy agreement set in the beginning of coverage and once your claim is approved.

For example, if the total fire damage costs $100,000 for replacement, which can be covered by insurance and your deductible is $1,000, then;

You Pay: $1000
Insurance Pays: $90,000
Total Replacement $100,000

Note the actual cost is determined by the policy to restore the property by using actual cash value or replacement cost.

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What's Not Covered?

We recommend calling your insurance agent as soon as possible and go over your policy before proceeding. Homeowner and renter policies may vary with coverage. Here is a list of common perils not covered:

1. Short circuiting.
2. Spontaneous combustion.
3. Burning a property by order.
4. Non domestic boilers.
5. Warlike operations.
6. Worn down structures

Factors Including Cost

1. Water Damage Removal:

• Has the fire been extinguished with water? Depending on the amount of water present, removal and mitigation will be a time consuming task.
• Properties with water present contributes to the possibility of mold growth and removal.

2. Soot Removal:

• The longer soot remains on structures it becomes difficult to remove.
• Soot can be formed in dust or grease-like on walls or anywhere on the premises.
• Due to the composition of the soot as it can be acidic, professional removal services are needed to handle the remediation process.

3. Smoke Removal:

• Smoke is guaranteed to remain in the property unless treated for.
• Odors develop and create a hazardous atmosphere that requires professional attention.
• Fogging and ozone treatments take place once the soot and other content cleanings have taken place.

4. Fire Rebuild & Reconstruction:

• After assessing the actual damage to the property, it is time to remove the compromised structures.
• Walls, ceilings, floors, cabinetry, carpets, stairs, and other structures in the home must be replaced.

5. Cleaning & Cleanup:

• HVAC systems must be cleaned to prevent soot & smoke spread back into the property.
• Personal belongings of what can be saved will be deep cleaned and restored.
• Furniture and upholstery that suffered smoke damage can be properly cleaned and sanitized.

What to do immediately?

1. Contact your insurance agent to go over your coverage.
2. Contact a reputable restoration company that is not pushy and build trust before they assist you with the claim and document the damage.
3. Establish a date when the adjustor will take a look at the damage.