What is Covered by Insurance When You Have Had Fire, Smoke or Odor Damage?

If you own the home your insurance policy typically will cover all of the following in order to get you back to “pre-loss” condition.

  • Board up and tarping
  • Temporary power
  • Temporary heat
  • Winterizing the property
  • Water removal and dry out
  • Cleaning for all contents
  • Cleaning the affected parts of your home
  • Cleaning and sanitizing your HVAC
  • Odor removal
Fire damaged Kitchen Cabinets And Countertops NJ

Items that should be replaced if affected by your loss and cannot be cleaned or deodorized:

  • Kitchen cabinets and countertops
  • Appliances
  • Personal contents
  • Mattresses
  • Furniture
  • Clothing
Medicine ruined by soot New Jersey

Items that should be replaced due to health concerns:


We strongly suggest contacting your pharmacy and alert them of your situation. They will be able to advise you on the best course of action. Please all of your medicine in a Ziplock bag if they smell so you don’t bring the odor with you.

Food Covered in soot North NJ


Any opened food should be discarded. If other items have soot residue on them you should also consider discarding those items as well. If you have any concern, discard it! Before you discard any items line up like items and take pictures. Most insurance policies will reimburse you for the food. It is better to be safe then try to save a few dollars.


  • Repairing damage building materials.
  • Sealing, caulking and repainting all affected areas.
  • Replacement of affected flooring such as carpet and wood floors.

Recently Completed Jobs

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Morristown, NJ

PDQ responded to the call within one hour. The PDQ team tested the air for soot particles and began cleaning the ducts of the home and other impacted areas of the dangerous soot particles. PDQ was able to remove any unwanted smells and dangers from t...

Sussex, NJ

Our Project Managers arrived within 60 minutes of the Homeowners call. We assessed the damages along with the Homeowners. The visibly upset Homeowner was calmed after we explained our detailed plan of remediation, how we would work and bill their i...

Pequannock, NJ

When we arrived at homeowners residence, we inspected the damage, took moisture readings, and determined the best solution to remediate the damage in her home. Our team closed off the affected areas, set up Ozone & Hydroxyl generators to clean and...

Our customers love us!

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4.98 out of 174 reviews

Watchung, NJ

Posted on Google

We had a electrical fire in our kitchen and it caused lots of smoke and odor damage. A very good friend of mine recommended PDQ Restoration. Tim and Elizabeth came out that afternoon and were extremely professional and detailed on showing me how far ...

Warren, NJ

Posted on Google

Excellent work ethic and very thorough. My house had a fire and we didn't know how we could remove the soot and fire smell. These guys came in, wasn't pushy, have me the options and completed the job. Great work.

Sparta, NJ

Posted on Google

Quick, excellent responce after we experienced a fire in our home. Cheryl and her team did a wonderful job in assisting us through a very bad situation. Highly recommended!

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