What to do, how restoration works, and the questions to ask before you hire.
Call (866) 595-0522Last updated: October 2026
Whether insurance pays for fire damage comes down to documentation and the cause. Accidental fires are covered on standard homeowners policies; arson is excluded. Most policies also cover additional living expenses while your home is uninhabitable. Here's how to file a claim that actually gets paid.
On a standard homeowners policy: the structure, personal property damaged by fire/smoke/soot/suppression water, and additional living expenses while the home is uninhabitable. Arson is excluded. Check your policy for its specific limits and any exclusions.
Get independent contractor assessments in writing and present them. You can also hire a public adjuster for large disputed claims.
Coverage for the extra costs of living elsewhere while your home is uninhabitable — hotel or rental, meals above your normal spending, laundry, and similar. Keep every receipt; ALE is reimbursed, not advanced, on most policies.
Call a restoration pro now — the sooner cleanup starts, the less damage spreads.
Call (866) 595-0522