Most fire damage restoration projects fall between $10,000 and $30,000, depending on how severe the fire was, how much smoke and water damage occurred, and how much rebuilding is required.

Fire damage restoration costs vary widely because no two fires affect a home the same way. Some fires cause only smoke and odor issues in one room. Others cause structural damage, water saturation, and total loss of belongings across the entire property. This guide explains what typically affects cost and what insurance usually covers.

What Is Fire Damage Restoration?

Fire damage restoration is the process of stabilizing, cleaning, repairing, and restoring a home after fire, smoke, and water damage. This includes emergency board up, smoke and soot removal, water extraction, drying, odor removal, contents handling, and reconstruction.

The goal is to make the home safe, livable, and structurally sound again.

How Much Does Fire Damage Restoration Cost?

Most homeowners fall into one of these general ranges:

• Minor damage: $3,000 to $10,000
• Moderate damage: $10,000 to $30,000
• Severe or whole-home damage: $30,000 to $100,000 or more

These numbers usually include emergency services, smoke cleanup, water drying from firefighting, odor removal, contents handling, and early structural repairs. Large homes, older construction, or heavy structural damage can push costs higher.

Fire Damage Restoration Cost Per Square Foot

A common estimate used by restoration and insurance professionals:

• $4 to $7 per square foot for standard fire and smoke cleanup
• Higher ranges apply when structural repairs or replacement of major building materials are needed

A 2,000 sq. ft. home may therefore see costs between $8,000 and $14,000 for cleanup alone, not including reconstruction.

Typical Fire Damage Restoration Cost Chart

How Insurance Typically Covers Fire Damage Restoration

In most fire losses, insurance is responsible for covering the majority of restoration costs. Standard homeowners and renters policies usually include coverage for the damage caused by fire, smoke, soot, and the water used to extinguish the fire. This means that cleanup, drying, deodorization, and rebuilding are generally part of the claim.

Insurance commonly covers:

• Emergency board up and property securement
• Fire and smoke cleanup
• Water extraction and structural drying
• Odor removal and air quality treatment
• Structural repairs and reconstruction
• Cleaning, storage, or replacement of personal belongings
• Temporary housing under loss of use

Out-of-pocket expense is typically limited to the policy deductible unless the total damage exceeds coverage limits. The exact amount covered depends on the policy, endorsements, and the scope of damage.

Because insurance plays such a large role in fire recovery, proper documentation is critical. Restoration companies document damage with photos, moisture readings, and detailed itemization so insurers can accurately review and process the claim. Delays in reporting or missing documentation can affect coverage, which is why early coordination with insurance is so important after a fire.

Should You Hire a Fire Damage Restoration Company?

While small soot cleanup can sometimes be handled by a homeowner, most fire losses require licensed professionals because:

• Smoke residue contains toxins
• Structural areas may be unsafe
• Moisture can remain hidden in walls
• Odors become permanent if not treated properly
• Insurance requires proper documentation

Certified technicians understand how to clean, dry, deodorize, and rebuild safely and effectively.

Trust a Team That Knows Restoration and Insurance

Fire damage recovery is complex, but you don’t have to manage it alone. National First Response handles the entire restoration process while working directly with your insurance carrier to document damage, support your claim, and keep everything moving smoothly.

If you are navigating a fire loss, National First Response provides professional restoration while working directly with insurance to keep the process accurate, documented, and moving forward

Fire Damage Restoration Cost FAQs