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Expert Fire & Smoke Damage Restoration Information for Australia
Ensure fire is completely extinguished
ImmediateDo not enter until cleared by fire department
Before entryBoard up openings, fence off dangerous areas
Within 24 hoursPhotos, videos, inventory before cleanup
Before any changesReport claim immediately, get claim number
Within 24-48 hoursProfessional smoke extraction required
Within 48-72 hoursRemove firefighting water to prevent mould
Within 24-48 hoursStructural engineer and restoration expert evaluation
Within 48-72 hoursDirect flame damage to building materials
Source: Low-heat, smoldering fires
Characteristics: Sticky, smeary, strong odour
Cleaning Difficulty:Very High
Source: High-temperature, fast-burning fires
Characteristics: Dry, powdery residue
Cleaning Difficulty:Medium
Source: Kitchen fires, organic materials
Characteristics: Nearly invisible, strong odour
Cleaning Difficulty:High
Source: Petroleum products, furnace puff-backs
Characteristics: Sticky, difficult to clean
Cleaning Difficulty:Very High
Important: This is general information only. Always review your specific policy and consult with your insurance provider for accurate coverage details.
| Coverage Item | Typically | Notes | Watch For |
|---|---|---|---|
| Dwelling/Building | Covered | Structure repairs and rebuilding | Policy limits and replacement cost |
| Personal Property | Covered | Contents and belongings | Sub-limits for valuables |
| Additional Living Expenses | Covered | Temporary accommodation | Time and dollar limits |
| Smoke Damage | Covered | Cleaning and deodourisation | May require specific mention |
| Water Damage (firefighting) | Covered | Secondary damage from suppression | Different from flood coverage |
| Debris Removal | Limited Coverage | Usually percentage of claim | May need additional coverage |
| Trees/Landscaping | Limited Coverage | Often capped amount | Low limits, per-item caps |
| Code Upgrades | Variable | Bringing building to current code | May require ordinance coverage |
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