Most homeowner’s insurance policies will cover smoke damage as a “covered peril”. Your insurance company will likely pay for clean up and repair. But refer to your agent as your first step in getting back into your home or business.

It depends on what caused the fire. If it is determined that the fire was caused by the owner’s negligence, the landlord will be liable. However, a tenant caused fire may require a tenant to pay for damages in addition to rental payments.

According to the CDC, mold can lead to allergy type symptoms such as itchy eyes, skin irritations, stuffy nose, wheezing, and more.