From the night of the fire to the last coat of paint.
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Or call (844) 543-5757 nowOne Washington-registered fire restoration contractor, from board-up and cleanup through the structural rebuild, under the scope your adjuster approves and the permits your city requires. One schedule, one claim file, nothing upfront on covered work.
On covered claims the contractor bills your insurer directly for mitigation and the approved rebuild. You pay your deductible, as your policy states.
Mitigation, cleanup and reconstruction under one roof, so the house is never stuck between trades waiting for the next company.
Structural, electrical and plumbing permits and any engineering filed as soon as the scope is approved, in every jurisdiction in the four counties.
Your deductible applies to your claim as your policy requires; no contractor in Washington may waive it. Reconstruction is performed under the scope approved with your adjuster; code-upgrade items and owner upgrades are shown separately on the estimate.
What to do and what to leave alone on day one
The rebuild starts months from now, but what happens in the first day shapes it: what is documented, what is saved, and what the adjuster sees first.
✓ Do this
- Wait for the fire department to release the house and ask which areas are unsafe
- Call your insurer today, get the claim number and ask about an additional living expenses advance
- Photograph every room, the exterior and the roof from the ground before anything is moved
- Retrieve medications, documents, phones, glasses and pet supplies if the house is released
- Find your policy's declarations page: dwelling limit, ordinance-or-law coverage, contents, loss of use
- Start a folder for every receipt from the moment you left the house
✕ Do not do this
- Do not run the furnace or any fan; it spreads soot through every room
- Do not wipe soot or start cleaning; it smears and sets
- Do not throw anything away before it is photographed and listed
- Do not sign a contract or an assignment of benefits with anyone who arrived uninvited
- Do not let anyone demolish anything before the adjuster has seen it or the scope is agreed
- Do not accept a lump-sum settlement before the scope is written
Eight services from the first night to move-in day
Fire restoration is a sequence: secure, assess, dry, clean, deodorize, rebuild. Each is a separate scope on the claim and each is done to standard, because a rebuild over a badly cleaned structure smells for years.
Fire damage assessment & estimates
Room-by-room assessment of fire, smoke, water and structure, written as an Xactimate scope your adjuster can approve.
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Fire damage repair & reconstruction
Demolition of charred material, structural repair, systems, insulation and finishes under the approved scope and the permits your city requires.
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Emergency board-up
Openings boarded, roof tarped and property fenced the same night, from Everett to Port Orchard.
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Smoke & soot cleanup
Soot removed by residue type, ducts cleaned, surfaces sealed, before any rebuild begins over them.
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Odor removal & sealing
Source removal, treatment and odor-blocking sealers on every surface before finishes, so the rebuilt house smells like a house.
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Kitchen fire restoration
Protein residue through the house, cabinets and finishes evaluated, the kitchen repaired or rebuilt under the claim.
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Garage fire restoration
Vehicle, charger and shop fires: wet smoke through the attic, structural repair of the garage and the rooms above and beside it.
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Multi-family & commercial
Apartment buildings, condos and small commercial: multiple units, multiple carriers, displaced tenants and a rebuild that has to keep the rest of the building running.
Learn moreNot sure what you're dealing with?
Describe it to a dispatcher. They'll tell you what to shut off, what to photograph and whether a crew should roll tonight.
Call (844) 543-5757What fire and smoke work looks like
Board-up, soot removal, odor treatment and the rebuild. The first 72 hours decide how much of the house can be saved.
Secured tonight, scoped tomorrow
By the second morning the house is boarded and tarped, the estimator has walked every room with a camera and a meter, and the scope is being written in the format your adjuster reads.
- Board-up and tarping the night of the fire, billed as covered mitigation
- Room-by-room assessment: fire, smoke, water, structure
- Scope drafted in Xactimate with code-upgrade items separated
- Adjuster site visit coordinated and attended
How a fire rebuild runs
Secure and assess
Board-up the same night; estimator and camera through every room the next morning.
Days 1 to 2Mitigate and clean
Water extracted, soot removed by residue type, contents packed out, odor treated and surfaces sealed.
Weeks 1 to 4Scope approved
Reconstruction estimate in Xactimate reviewed with your adjuster; like-for-like, code upgrades and owner upgrades separated.
Weeks 2 to 6Permits and engineering
Structural, electrical and plumbing permits filed; engineer's evaluation of charred framing where needed.
Weeks 3 to 8Rebuild
Demolition of damaged material, framing, roof, systems, insulation, drywall, finishes, in sequence with inspections.
Months 2 to 6+Close out
Final inspections, contents returned, walkthrough, invoice reconciled, depreciation released.
CompletionA fire restoration crew, not a call center
Dispatch routes the closest available Washington-registered fire restoration crew. They secure the house, stop the damage from spreading and document all of it for your insurer.
- Washington-registered restoration contractor
- Board-up and tarping the same day
- Soot, smoke and odor treatment room by room
- $0 upfront on covered claims; insurer billed directly
Like-for-like, code upgrades and your upgrades, kept visibly separate
Most rebuild disputes come from mixing three kinds of cost on one estimate. The scope keeps them apart from the first draft, so you can see what the policy restores, what ordinance-or-law coverage pays, and what you chose.
- Reconstruction estimate in Xactimate, room by room and trade by trade
- Code-upgrade items identified for your ordinance-or-law coverage
- Owner upgrades priced separately and paid by you
- Draws coordinated with your adjuster and, if mortgaged, your servicer
- Documentation that releases recoverable depreciation at completion
Every jurisdiction in the four counties
Seattle, Bellevue, Tacoma, Everett, Bremerton and every city and county permitting office in between have their own process. The contractor has filed in all of them. Board-up is same-night anywhere in the region.
One number from the night of the fire to move-in
A dispatcher who knows night one
Secures the house tonight and sets the estimator for tomorrow, with honest windows.
A registered, insured contractor
Independent, Washington-registered, with the bond and liability coverage a rebuild requires, named to you before arrival.
A scope adjusters approve
Written in the format carriers review, with the three kinds of cost separated and the paperwork that keeps draws moving.
A schedule you can plan a life around
Written at approval, updated as permits and materials move, with the rental timeline and the ALE limit in mind.
Request a callback
Tell us what happened and where. A dispatcher calls you back, usually within minutes.
Call Me Right NowQuestions families ask after a fire
Is it really $0 upfront?
On covered claims, yes. Mitigation and cleanup are billed directly to your insurer without a deposit, and reconstruction is performed under the approved scope with draws paid by the carrier as work completes. Your deductible applies as your policy states; Washington law forbids any contractor from waiving it. Owner upgrades beyond the policy are paid by you and priced separately.
How long does a fire rebuild take?
A room or two, several weeks after approval. A significant structure fire, three to nine months, driven by scope approval, permits, engineering and materials. The schedule is written at approval and updated as the project moves.
Can I use one contractor for cleanup and another for the rebuild?
Yes; they are separate scopes and you may choose any registered contractor for either. One contractor for both keeps the schedule and the claim file coherent, which is why most people do it, but it is your choice.
What if the rebuild costs more than my policy limit?
Extended replacement cost endorsements add a percentage above the dwelling limit; ordinance-or-law coverage pays code upgrades up to its own limit. The scope shows where the numbers land so there are no surprises, and the insurance guides explain the options if a loss exceeds coverage.
Who actually does the work?
An independent, Washington-registered fire restoration contractor serving your county. Puget Sound Fire Restoration is a service of Help Me Now Inc; we answer the phone, dispatch and coordinate. You receive the contractor's name and L&I registration number before they arrive.
After the fire, one call for the whole rebuild.
Open 24 hours. One call reaches a Washington-registered fire restoration contractor serving King, Snohomish, Pierce and Kitsap counties. $0 upfront on covered claims.