How Much Does Fire Damage Restoration Cost? (2026 Guide)
Professional fire damage restoration for a home usually costs between $10,000 and $100,000 or more. A small kitchen fire often lands between $5,000 and $20,000. Fires that damage the structure or spread smoke through the whole house sit at the top of the range. This guide explains why the range is so wide, what the work includes, and how insurance usually pays for it.
Average fire damage restoration cost
| Type of fire | Typical cost |
|---|---|
| Small contained fire (kitchen, one room, mostly smoke) | $5,000 to $20,000 |
| Average residential fire | $10,000 to $100,000 |
| Major structural fire | $100,000 and up |
These ranges come from real jobs Spartan Restoration handles. Your exact price comes from a written estimate after an on-site inspection.
Why fire damage costs vary so much
1. Smoke and soot spread further than the flames
Smoke travels through HVAC ducts, wall cavities and attics. A fire that burned one room can leave soot and odor in every room of the house. Cleaning and deodorizing those areas is often a large part of the bill.
2. Structural damage
Burned framing, roofing or subfloors have to be removed and rebuilt. Once the structure is involved, the job moves from cleaning to reconstruction, and the cost rises quickly.
3. Water from firefighting
Hoses and sprinklers soak the home. That water has to be extracted and dried just like any other water loss, or mold will follow within days.
4. The type of materials that burned
Synthetic materials and plastics leave oily, acidic soot that corrodes metal and stains surfaces. It takes specialized cleaning to remove.
5. Contents cleaning and pack out
Furniture, clothing, documents and electronics can often be saved. Packing them out, cleaning them off site and storing them during repairs adds cost but is usually cheaper than replacing everything.
What the price includes
- Emergency board up and roof tarping to secure the property
- Water extraction and drying from firefighting efforts
- Soot and smoke removal from walls, ceilings and contents
- Odor elimination, including duct cleaning where needed
- Removal of burned and unsalvageable materials
- Contents pack out, cleaning and storage
- Structural repairs and full reconstruction
Does homeowners insurance cover fire damage?
Fire is one of the most widely covered losses on a standard homeowners policy. Coverage usually includes repairs to the structure, cleaning or replacing your belongings, and additional living expenses if you cannot stay in the home during repairs. You pay your deductible, and the insurer pays the approved cost of restoration.
Spartan Restoration works directly with insurance adjusters, documents the loss in detail and can bill the carrier for you. Learn more on our insurance claims page.
What to do right after a fire
- Wait for the fire department to say the building is safe before going in.
- Call your insurance company to open a claim.
- Take photos of all damage before anything is moved.
- Do not try to wipe soot off walls or fabrics yourself. It smears and can set stains.
- Call a restoration company to secure the property and stop secondary damage.
Get an exact price
Every fire is different, so the only accurate number comes from an inspection. Spartan Restoration offers 24/7 emergency response and free estimates. See our fire damage restoration services and smoke and soot removal, find your area on the service areas page, or call 631-250-1142.
We serve Long Island, New York City, New Jersey, Connecticut, Massachusetts, Pennsylvania, Maryland, Delaware and Utah.
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