It depends on your policy and the cause of the damage. Generally, sudden and accidental damage is covered, but gradual damage or flooding often is not.

The timeline varies depending on the extent of the damage, but it typically takes anywhere from a few days to several weeks.

The process typically includes water removal, drying and dehumidifying, cleaning, sanitizing, and repairing or replacing damaged materials.

The restoration time can vary greatly depending on the extent of the damage, the size of the property, and the efficiency of the restoration team. It can range from a few weeks to several months.

Professionals use specialized equipment and techniques to remove soot and smoke residue, such as thermal foggers, air scrubbers, and heavy-duty vacuums.

Health hazards can include respiratory problems from inhaling soot and smoke particles, skin and eye irritation, and exposure to toxic chemicals released during the fire.

Signs include visible mold growth, musty odors, water damage, and health symptoms like allergies or respiratory issues among occupants.