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 Philadelphia crews handle
What's different in Philadelphia?
Philadelphia's rowhomes share party walls, so one burst pipe routinely becomes two houses' problem - water travels along joists straight into the neighbor's ceiling. Original cast-iron stacks and galvanized supply lines are at end of life across whole blocks, basements sit below grade, and hard freezes find the pipes in unheated cellars first.
Pennsylvania policies cover sudden failures including freeze-bursts when the home was reasonably heated. Sewer and drain backup - a common Philadelphia basement claim - needs its own endorsement, and party-wall losses get sorted between insurers after each home documents its own damage.
Your call goes to a crew based in the Philadelphia area. Serving Philadelphia, Camden, Cherry Hill, Upper Darby, Norristown, Bensalem, and all of Philadelphia County.
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.