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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.
Often you can smell water damage before you can see it. If you have a lingering musty foul smell that you detect consistently, you may have a problem.
A great litmus test of a well-executed water damage removal job is when the moisture meters indicate everything is dry, along with no lingering malodors remaining, such as a moldy smells.