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 Tampa crews handle
What's different in Tampa?
Tampa runs on daily summer thunderstorms and the hurricane cone - wind-driven rain through soffits and sliders, storm surge in the flood zones, and a water table that gives runoff nowhere to go. The CBS slab housing stock hides supply lines under concrete, and in this humidity wet drywall starts growing mold in 24 to 48 hours.
Florida policies may have a separate hurricane deductible. Whether it applies depends on the storm and the statutory hurricane period. Check your policy. Storm surge is flood insurance, not homeowner's, no matter what the hurricane did above the waterline. Everyday failures use your standard deductible.
Your call goes to a crew based in the Tampa area. Serving Tampa, St. Petersburg, Clearwater, Brandon, Riverview, Largo, and all of Hillsborough 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.