When You May Be Able to Stay
- Fire was minor and limited to one room
- No structural damage to the home
- Electrical and gas systems are intact and functioning
- Air quality testing confirms safe indoor air
- Unaffected areas of the home are accessible and habitable
When You Must Temporarily Relocate
- Structural damage: Any compromise to load-bearing elements, roofing, or floors
- Electrical hazards: Fire or water damage to electrical systems
- Gas leaks: Any suspected gas line damage
- Air quality concerns: Smoke, soot, and chemical residues create health hazards even in unaffected areas
- Extensive damage: Multiple rooms or floors affected
Insurance Coverage for Temporary Housing
Most homeowners policies include Additional Living Expenses (ALE) coverage that pays for temporary housing, meals, and other costs while your home is being restored. Our team coordinates with insurance adjusters to maximize your ALE benefits and arrange temporary housing when necessary.
Before Reentry
- Wait for fire department clearance
- Have utilities inspected before restoring service
- Get professional air quality testing to verify safe indoor air
- Have structural engineer assess any areas of concern