Yes. Most homeowner policies cover fire and smoke damage, including soot cleanup, odor removal, and structural repairs. We document every detail with Xactimate so your adjuster has a complete scope. Most clients pay $0 out-of-pocket beyond their deductible.

Yes, with the right process. We use thermal fogging, ozone treatment, hydroxyl generators, and specialized cleaning to eliminate smoke odor at the molecular level. Surface cleaning alone won't work — smoke penetrates porous materials, which is why professional remediation is critical.

It depends on the extent of damage. A contained kitchen fire might take 2-4 weeks to fully restore. A major structural fire can take 3-6 months. We provide a detailed timeline after our initial assessment and update you weekly throughout the process.

Completely. We're Xactimate certified, which means we write the estimate in the same software your insurance adjuster uses. We handle documentation, supplement negotiations, and direct billing. You focus on your family — we handle the paperwork.