Fire damage restoration cost in Utah — at a glance
- Small fire (one room, limited smoke): $8,000-$18,000.
- Medium fire (several rooms, structural damage, HVAC smoke): $18,000-$45,000.
- Large fire (whole-floor or whole-home gut and rebuild): $45,000-$150,000+.
- Smoke-only damage (no fire; neighbor’s fire or appliance smoke): $3,500-$12,000.
- Insurance: fire is usually fully covered by standard Utah homeowner’s policy up to policy limits.
- Vault scopes in Xactimate and bills your carrier directly. (385) 250-2825.
What drives fire restoration cost
- Area affected. One kitchen vs. the whole house.
- Fire + water combo. Fire suppression water adds a full water-damage-restoration scope on top of fire. A room-of-origin fire with sprinkler discharge affects more rooms than the fire itself did.
- Smoke spread. Smoke penetrates HVAC systems and spreads to areas that didn’t burn. Full home smoke decontamination is standard after any structure fire.
- Soot type. Protein soot from kitchen fires is harder to remove than wood or paper soot. Synthetic soot (plastics, electronics) requires more aggressive methods.
- Contents. Clothing, electronics, documents, furniture — on-site cleaning, off-site content restoration, or discard-and-replace.
- Structural damage. Framing that burned must be replaced; framing that only scorched can often be cleaned and sealed.
- Code upgrades. Older homes may need wiring, insulation, or venting upgrades during rebuild.
Typical scope ranges
| Scope | Typical range |
|---|---|
| Kitchen stovetop fire, limited to range + hood | $3,500-$8,500 |
| Small kitchen fire with upper cabinets, limited smoke | $8,000-$18,000 |
| Bedroom fire with hallway smoke | $12,000-$28,000 |
| Garage fire with attic smoke penetration | $18,000-$45,000 |
| Attic fire with whole-home smoke | $35,000-$75,000 |
| Whole-home gut and rebuild | $75,000-$150,000+ |
| Smoke damage only (no fire) | $3,500-$12,000 |
What’s included in Vault’s fire scope
- Emergency board-up and roof tarping (within hours of arrival)
- Structural cleaning per IICRC S700 (soot removal from walls, ceilings, floors)
- HVAC system cleaning and smoke decontamination
- Odor control (OCT-certified: thermal fogging, hydroxyl generators, source removal)
- Content pack-out and on-site or off-site cleaning
- Water extraction and drying if fire suppression caused water damage
- Demo and disposal of unsalvageable materials
- Reconstruction (drywall, flooring, cabinetry, trim, paint) under same license
- Insurance documentation (Xactimate, photos, moisture logs)
- 24-month workmanship warranty
Insurance coverage for fire
Fire is almost always covered by standard Utah homeowner’s policies — including the structure, contents, and ALE (hotel/food while displaced). Policy limits apply; standard coverage runs $200,000-$1M for the structure, $100,000-$500,000 for contents.
Common exclusions:
- Arson by the policyholder (obvious)
- Vacant/unoccupied home beyond stated unoccupancy limit (often 30-60 days)
- Specific appliances or items that failed from manufacturer defect (sometimes a separate manufacturer claim)
What’s quoted separately
- HVAC replacement if ducts can’t be cleaned (uncommon but happens with heavy synthetic smoke)
- Specialty content restoration (artwork, antiques, high-value electronics)
- Code upgrades beyond the pre-loss condition
- Mold remediation if moisture from fire suppression caused mold
Need a fire restoration estimate?
Call (385) 250-2825. We arrive 24/7 for emergency board-up and start the insurance scope in parallel.
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