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.
| 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.
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.
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.
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.
Synthetic materials and plastics leave oily, acidic soot that corrodes metal and stains surfaces. It takes specialized cleaning to remove.
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.
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.
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.