2026 Cost Guide

Fire & Smoke Damage Restoration Cost in Florida

Fire damage restoration cost depends on how many rooms were affected, how far smoke and soot traveled, how much water firefighting left behind, and how many contents need cleaning or pack-out. Smoke odor, contents and rebuild are usually priced separately. The table below lists what drives the price by scope.

Updated Oct 2026

Water, smoke or sewage still active? Call or text CFDR at 321-420-7274. Ryan matches homes within about 90 minutes of Orlando with a restoration company.

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Cost Breakdown

What Drives Fire Damage Restoration Cost in Central Florida

Fire damage costs vary widely by extent. What insurance pays depends on your policy, its limits and your deductible, so read it or ask your insurer.

Service / Damage Scope	What Drives the Price
Small fire damage (1 room, minimal)	Cleanup, soot removal, cosmetic repairs
Moderate fire damage (2–3 rooms)	Soot removal, drywall and flooring, structural repairs
Major fire damage (whole home)	Extensive structural damage, total reconstruction
Smoke odor removal (per room)	Thermal fogging, ozone treatment or chemical remediation
Contents cleaning and restoration	Depends on volume and type of belongings
Water damage from firefighting	Priced separately from the fire damage
Structural framing and rebuild	Full reconstruction: material and labor
Roof reconstruction	Often needed after structural fire damage

Scope, materials and equipment days set the price. Your matched company's written, line-item estimate is the price. Ask your matched company how billing works on an insurance job; your deductible is yours.

Cost Factors

What Determines Fire Restoration Cost

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Fire Extent & Intensity

Kitchen fires are often contained to one area. House fires spread through multiple rooms, HVAC systems and structural framing. Bigger fires mean much higher costs.

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Smoke & Soot Spread

Smoke travels through walls and HVAC systems, often causing damage far from the fire itself. Whole-home smoke work is priced as its own line.

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Water Damage from Firefighting

Suppression uses a lot of water. That water damage needs separate mitigation and can be a large share of the total.

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Contents Affected

Furniture, clothing, photos and valuables may be savable but need professional cleaning. More contents means a higher cost.

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Structural & Framing Damage

If fire damaged wooden framing or load-bearing walls, reconstruction is extensive. If the damage is cosmetic (drywall and paint), costs are lower.

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Insurance Coverage

Fire is a covered cause of loss on most homeowner's policies, but limits, exclusions and your deductible vary. Your matched company documents the damage in its written estimate.

The Process

How Fire Restoration Typically Works

Secure the structure

After the fire department releases the property, the first priority is to secure the structure: board up openings and tarp the roof to prevent further damage.

Assessment & Documentation

The restoration company documents all damage with photos and video and writes a scope of work and itemized estimate.

Debris Removal & Hazmat Cleanup

Charred materials, ash and debris are removed; hazardous materials are handled according to EPA and OSHA rules.

Water Removal & Drying

Firefighting water is extracted and structural elements are dried to limit mold.

Smoke & Odor Remediation

Smoke remediation uses cleaning, thermal fogging, ozone or chemical treatment, not air freshener.

Structural Repair & Reconstruction

Damaged framing, flooring, drywall and roofing are repaired or replaced. Ask which parts the company does itself.

FAQ

Fire Damage Questions

Fire is a covered cause of loss on most homeowner's policies, and smoke, firefighting water and contents are often covered too. Your policy's terms, limits and deductible decide what is paid. Your matched company documents the damage in its written estimate; coverage decisions stay between you and your insurer.

Depending on the loss: securing the structure after the fire department releases it, debris removal, soot and smoke cleanup, odor treatment, drying of firefighting water, contents cleaning or pack-out, structural repair and rebuild. Ask for each item to be listed separately in the written estimate.

Smoke penetrates walls, insulation, HVAC systems and belongings. DIY cleaning can spread soot deeper, and burned materials can be hazardous to handle. Restoration companies use specialized equipment and containment.

Many do contents pack-out and cleaning, either on site or at a facility, with an inventory. Ask the matched company whether it does this itself or uses a contents specialist, and who is responsible for the items while they are out of the home.

It depends on how many rooms are affected, the structural damage, permitting and material lead times. Ask the matched company for a written schedule covering cleanup, drying and rebuild.

Some companies do mitigation, cleanup, odor treatment and reconstruction; others subcontract parts or do only some. Ask the matched company which parts it does with its own crews and which it hires out, and get that in writing.

After a Fire: Get Matched With a Restoration Company

Ryan Solberg matches you with a restoration company from CFDR's network, which does the work and contracts with you directly. You pay CFDR nothing, and CFDR does not bill your insurer.