If your home has been exposed to smoke and/or debris from a wildfire, this page aims to guide you in getting your home restored to its pre-loss condition.
Your insurance company should work with you to retain reputable and qualified professionals to do the following:
- Thoroughly inspect, measure and assess the interior and exterior condition of your home, inside and out, including basements, crawl spaces, attics, duct systems (heating, cooling, ventilation), and cavities.
- Prepare a cleaning/remediation plan that addresses all inspection and assessment findings.
- Do all the work that’s called out in the plan in a satisfactory and timely manner.
- Conduct post-cleaning testing to confirm successful remediation/restoration.
Your insurance company should cover the costs as provided in your insurance policy, and in compliance with applicable standards, laws and regulations. Payment for smoke damage to the structure of your home (walls, studs, wall-to-wall carpeting etc.) comes out of your dwelling coverage. Payment for smoke damage to area rugs, clothing, curtains, furniture, etc.) comes out of your contents coverage. No special dollar limit cap (such as you may find for mold) should apply, other than your overall dwelling and contents insurance limits.
