Fire & Smoke Damage Restoration cost
Typically $3,500–$45,000 per loss in the Tri-State region. Here's the honest breakdown.
All ranges in USD, per loss.
Cost breakdown by scope
Different sizes of loss land in different ranges. Here's how we typically tier them:
| Scope | What it looks like | Range |
|---|---|---|
| Contained fire, minor smoke | Single appliance, smoke detection caught early | $3,500 – $8,000 |
| Room-scale fire damage | Single room with system-wide soot through HVAC | $8,000 – $20,000 |
| Multi-room with structural | Significant structural compromise, contents pack-out | $20,000 – $45,000 |
| Major loss | Whole-floor or whole-house, extended reconstruction | $45,000+ |
What moves the cost
- Size of fire and smoke spread
- Type of residue (protein, wet smoke, dry smoke, fuel oil)
- Whether HVAC was running during/after the fire
- Contents pack-out and cleaning volume
- Structural reconstruction needed
Insurance coverage
Fire is one of the most predictably covered losses in homeowners insurance. Both mitigation and reconstruction are typically covered, often with no per-event cap below the dwelling limit.
How we handle insurance claimsFire & Smoke Damage Restoration cost — FAQ
Most fire & smoke damage restoration jobs in our Tri-State service area fall between $3,500 and $45,000 per loss, with the typical project running around $12,000. The variables that move you up or down within that range are: Size of fire and smoke spread, Type of residue (protein, wet smoke, dry smoke, fuel oil), Whether HVAC was running during/after the fire.
Fire is one of the most predictably covered losses in homeowners insurance. Both mitigation and reconstruction are typically covered, often with no per-event cap below the dwelling limit.
Yes. Every Catalyst project starts with a free inspection and a written, line-itemed scope of work using industry-standard Xactimate pricing. You see the number before any work begins.
Significant change orders only happen when the scope itself changes (e.g., we discover additional damage behind a wall during demolition). When that happens, we stop, photograph, document, and re-scope with you and the adjuster before continuing. No surprise charges.
Need fire & smoke damage restoration now?
Catalyst crews stage across MD, PA, WV, and VA — call now or request emergency response.