Cost by Fire Severity
- Smoke damage only: $2,000–$7,000
- Minor fire (small area): $3,000–$10,000
- Kitchen fire: $5,000–$25,000
- Room fire (structural repairs required): $15,000–$50,000
- Major fire (multiple rooms, extensive reconstruction): $50,000–$150,000+
Additional Cost Components
- Content restoration: $1,000–$10,000
- Temporary housing: $100–$300/night; typically covered by insurance ALE coverage
- Structural engineering assessment: $1,000–$3,000 for major fires
- HVAC cleaning: $500–$2,000 to remove soot and smoke from ductwork
Insurance Coverage
Most standard homeowners policies provide comprehensive coverage for fire damage including structural repairs, content restoration, additional living expenses, and debris removal. Policy limits and deductibles apply. Ensure your coverage reflects current rebuilding costs.