If a fire just hit your home, the next 48 hours decide what your insurance claim looks like — and how long the rebuild takes.
Don't enter the property until the fire department has cleared it. Even after the flames are out, the building can still be unsafe — weakened structural members, smoldering insulation in the walls, electrical hazards from melted wiring, and gas leaks from damaged piping are all common. Wait for the fire marshal to give you the all-clear, and even then, treat it as an active hazard zone until your restoration contractor has assessed the structure.
Call 1: Your insurance company — within 24 hours. Open the claim. Get a claim number. Ask whether emergency mitigation (board-up, tarp, water extraction) is covered without prior approval (it almost always is — insurers want to limit additional damage). Get the name and phone number of the adjuster who'll be assigned.
Call 2: A fire damage restoration contractor — same day. Not just a roofer, not just a cleaner. A licensed general contractor who handles fire damage end-to-end will board up the openings, tarp what's left of the roof, document the damage before anything gets disturbed, and start shaping the scope of work that your insurance claim will follow.
Use your phone. Walk every room, every wall, every surface. Photograph the contents that were destroyed and the contents you're salvaging separately. Get the exterior from every side, and the roof from below. Photograph melted electrical outlets, soot on HVAC vents, water damage from the firefighting effort, and any structural members that look charred.
Don't move debris yet. Don't start cleaning. Once items are moved, it's much harder to prove they were where they were — and adjusters routinely scope claims more conservatively when the documentation is thin.
For a typical residential fire, the first wave of work covers:
Fire damage extends far beyond what you can see. Smoke and soot infiltrate the HVAC system, settle in the wall cavities, and bond to drywall and insulation chemically — not just visually. Electrical wiring exposed to high heat can short or fail months later. Structural members that look intact may have lost significant strength.
This is where a good restoration contractor adds the most value: walking the adjuster through the items that aren't obvious from a 30-minute visit. HVAC ductwork that needs full replacement. Drywall that needs to be removed and re-hung rather than primed and painted. Wood framing that needs sister-studding because it's been weakened.
The contractor you pick on day two determines what your finished home looks like on day 200. Look for:
Once the exterior is secured and the structure is sound, the real rebuild begins — demo, framing, mechanicals, drywall, paint, finishes. That phase can take three to nine months depending on the size of the loss and the insurance scope. We'll cover that side of the work in the next article.
If you've just had a fire in the Atlanta metro and need someone on site today, call us at (678) 284-2444. We dispatch 24/7 for emergencies and will be on site within hours to secure the property and start the documentation. No obligation to use us for the rebuild — but we'll point you in the right direction either way.