Navigating the Path Home
Experiencing a house fire is overwhelming. We are here to bring clarity to the chaos. This guide will walk you through exactly what happens next, from the first 24 hours to the day you move back in.
The First Few Days
Understanding the immediate aftermath is crucial. Here is what you need to know right now.
Fire Department's Job
Before anything can happen, the fire department must investigate the Cause and Origin of the fire. The property is in their control until they officially release it back to you.
Document Everything
As soon as it is safe to enter, take photos and videos of everything. Document the structure, your belongings, and the damage. You cannot over-document this stage.
Lean on Your Agent
Your insurance agent is your ally. Call them immediately to initiate the claim. An adjuster will be assigned for an initial assessment. Ask questions about your policy coverages.
Crucial Advice: Do Not Rush to Sign!
Many companies will show up and push you to sign a contract immediately. You have time. Do not be pressured into signing in a moment of panic.
🤝 The Bedrock Two-Contract Promise
At Bedrock, we use two separate contracts: one for Mitigation (cleanup/drying) and one for Reconstruction. We don't believe you should be forced into a rebuild decision right now. We're confident you'll love our team during cleanup — but if you don't, you have zero obligation to use us for the rebuild. You stay in control.
Setting Realistic Expectations: The Timeline
A major fire restoration typically takes 9 to 12 months from the date of fire to move-in day. Here is a general breakdown of that time.
*Timelines vary by fire severity, insurance approval speed, and local permitting.
Handling Your Belongings (Contents)
One of the most confusing parts of a fire is knowing what to do with your stuff. A dedicated Contents Expert will be assigned to help. Here are the most common questions.
The Full-Service Restoration Process
Bedrock handles everything from the ashes to the final coat of paint. Here is how we restore your home to pre-loss condition — or better.
Mitigation & Stabilization
Often, the fire department uses thousands of gallons of water. We immediately extract water, dry the home, and prevent mold growth.
Debris Removal & Selective Demo
Once contents are safely removed, we clear all ash, debris, and non-salvageable materials (drywall, flooring, insulation).
Deep Cleaning & Deodorization
Soot gets everywhere. We clean deep inside wall cavities, then use thermal fogging or ozone to permanently eliminate smoke odor from the framing.
Estimating & Adjuster Advocacy
We compile a highly detailed rebuild estimate and walk your adjuster through every line item, advocating fiercely so you get paid what you deserve.
The Reconstruction
With the estimate approved and permits in hand, our expert crews rebuild your home to code — putting everything back together, right.
Understanding Your Funds
Insurance payouts are rarely one giant check. Funds are distributed in stages to cover specific aspects of your recovery. Understanding these "buckets" prevents financial panic.
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🏨ALE (Additional Living Expenses) Released early to pay for hotel or rental, food, and necessities while displaced.
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🧹Mitigation Funds Paid to the restoration company to cover emergency services, water extraction, and debris cleanup.
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💵Reconstruction ACV / Depreciation Released in stages: downpayment to start, progress payment, and final payment once work is complete and depreciation is recovered.