What happens when you call
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Tell us what happened. 30 seconds - what burned and whether the home is secure.
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You're connected with a local restoration crew while you're on the line.
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The crew confirms timing and your arrival time - board-up comes first if the house is open.
What Charlotte crews handle
What's different in Charlotte?
Charlotte catches hurricanes after landfall - tropical remnants dump inland rain that flash-floods creeks and finds every roof weakness. The metro's red clay drains slowly and holds moisture against crawl spaces, where Carolina humidity keeps mold fed year-round, and the fast-built growth stock adds new slab and attic plumbing to the risk list every year.
North Carolina policies cover storm openings and sudden failures; some carry separate wind/hail or named-storm deductibles even inland, worth checking before hurricane season. Rising water - creek, street, or storm surge remnant - is flood insurance only.
Your call goes to a crew based in the Charlotte area. Serving Charlotte, Concord, Gastonia, Huntersville, Matthews, Rock Hill, and all of Mecklenburg County.
What to know before repairs in Charlotte
Charlotte's floodplain rule counts damage of any origin, so in a floodplain home a fire adds to the same 50% substantial-damage calculation as a flood, and damage is tallied over ten years. Check the property on the floodplain map before planning repairs. Hired rewiring after a fire has to be done by a contractor licensed through the State Board of Examiners of Electrical Contractors, and Mecklenburg County's $40,000 permit exemption does not cover replacing or redesigning an electrical system. A job of $40,000 or more also requires a licensed general contractor.
Common questions
Can we stay in the house?
Depends on smoke spread and structural safety - the crew tells you straight after inspection. If you can't, most policies pay for temporary housing (loss-of-use coverage).
Is fire damage covered by insurance?
Typically yes. Fire is a core homeowner's peril, and coverage usually includes smoke damage, water from firefighting, board-up, and rebuilding, subject to your limits and deductible - check your declarations page for those. Ask the contractor about documentation and coordination with your adjuster.
Should I start cleaning up myself?
It's best to wait on soot cleanup. Wiping soot the wrong way can drive it deeper, and moving debris before photos may reduce what your claim can show. Waiting on cleanup doesn't mean delaying safe steps to prevent further damage, like board-up or tarping once it's safe. Photograph first.