Fire-damaged New England two-story Colonial with boarded windows and scorched clapboard, the housing type most Connecticut fire losses happen in

Fire Damage Restoration in Connecticut

Emergency Board-Up, Smoke And Soot Removal, Full Rebuild ANSI/IICRC S700 • 60-Minute Response Target • 24/7 Statewide

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The Fire and Smoke Standard

What Is IICRC S700 Fire Damage Restoration?

Fire damage restoration is the ANSI/IICRC S700 documented process of stabilizing a fire-damaged building, classifying the smoke residue, and cleaning it off every affected surface, the contents, and the HVAC system. Residue type decides method. Dry smoke, wet smoke, protein and fuel oil each clean differently, and soot is acidic, so it keeps corroding metal, electronics and finishes until it is removed. Cleaning is followed by source deodorization, HEPA filtration, and verification that the odor is gone rather than covered.

In Connecticut, CT, the order is fixed. The fire department releases the scene, then the building is secured and boarded. Water from the suppression effort is extracted and dried first, because soot pressed into wet material sets, and wet cellulose grows mold within days. Residue is typed, then structure and contents are cleaned separately, contents off site where needed. Deodorization runs last, at the source, with the assembly open. Every stage is documented for the carrier.

  • ANSI/IICRC S700 aligned
  • Residue typed before cleaning
  • HEPA filtration throughout
  • Odor treated at the source
State Compliance

Why Connecticut Fire Jobs Run IICRC S700

Connecticut fire work is scoped against ANSI/IICRC S700. The local fire marshal holds the scene until the cause and origin investigation releases it. The cleaning phase is restoration work; the structural repair that follows is home improvement work under Connecticut law, which requires a registered contractor, a written contract, and a permit from the local building department.

Green Restoration works to ANSI/IICRC S700: stabilize first, type the residue before choosing a cleaning method, run HEPA filtration throughout, and treat odor at the source. Ozone deodorization runs only in an empty structure, because no federal agency has approved ozone generators for use in occupied space.

Statewide Fire Restoration

A Connecticut Fire Job Is Not A Generic Fire Job

Three things about this state decide how a fire loss actually plays out here, and none of them appear in a national restoration brochure. The first is the building stock. A large share of Connecticut housing predates 1980, and a great deal of it predates 1940, which means balloon framing, plaster on lath, knob-and-tube left behind newer wiring, and materials that have to be assumed hazardous until a licensed specialist says otherwise. A fire in that kind of structure spreads differently, holds odor longer, and cannot be demolished on the same schedule as a fire in a 1990s subdivision.

The second is heat. Connecticut is one of the most oil-heated states in the country, according to US Energy Information Administration residential heating-fuel data, and that single fact produces a whole category of loss that barely exists elsewhere. A burner that fails to ignite cleanly and then lights all at once pushes an oily black film through every duct in the building. It is not a structure fire and it is not a dirty furnace. It is a full smoke job with no flame damage at all, and in the coldest weeks of the year it is the call we take most.

The third is jurisdiction. Connecticut runs its fire code and its building code at the state level and enforces both locally, town by town, across 169 municipalities. The local fire marshal holds your scene until the origin and cause work is done. The local building department issues the permit for the rebuild. In the older village centers a historic district commission has a say in what the exterior is allowed to look like when it is finished. A contractor who does not know which of those three offices to call, in which order, is a contractor whose timeline will slip.

What that adds up to is a job with two halves that are governed differently. The cleaning phase is restoration work, scoped against ANSI/IICRC S700: stabilize, type the residue before choosing a method, run HEPA filtration throughout, treat odor at its source. The repair phase that follows is home improvement work under Connecticut law, which requires a registered contractor, a written contract, and a permit. Green Restoration does both halves, which is the point. A homeowner should not have to hand a half-finished building to a second company and hope the two scopes line up.

We work fire losses in every Connecticut county, from the Gold Coast towns through the Naugatuck Valley, Greater Hartford, the Litchfield Hills, the Connecticut River valley, the New London shoreline, and the Quiet Corner. The regional sections further down describe what actually changes between them, because a fire in a Waterbury three-family and a fire in an Avon colonial are the same event and completely different jobs. One number reaches all of it, 24 hours a day.

Connecticut Fire Services

Complete Fire Damage Restoration Across Connecticut

From the board-up on the first night through residue typing, structural drying, odor work, contents pack-out, and a permitted rebuild, every phase of a Connecticut fire loss handled by one accountable team.

Technician cleaning heavy soot residue from an interior wall during a Connecticut fire restoration job
S700ANSI/IICRC Standard
HEPAFiltration Throughout

Additional Fire Damage Services Across Connecticut

Structural Fire Damage Repair

Charred framing is either cleaned and sealed or cut out and replaced, and which one it is gets decided by depth of char and remaining section, not by eye. The rebuild that follows is home improvement work under Connecticut law: a registered contractor, a written contract, and a permit pulled from the building department in the town where the loss happened.

Odor Elimination & Deodorization

Odor is treated at the source first, which means removing what cannot be cleaned before anything is fogged or sealed. Ozone runs only in an empty structure, never around people or pets, because no federal agency has approved ozone generators for use in occupied space. Sealing is the last step, not a substitute for the first one.

Content Cleaning & Pack-Out

Salvageable contents are inventoried, photographed, and moved off site for cleaning; unsalvageable contents are inventoried anyway, because your carrier pays on the list rather than on a memory. Ultrasonic cleaning, ozone chambers, and document freeze-drying each handle a category that would be written off without them.

Firefighting Water Extraction & Drying

Suppression puts hundreds of gallons into a building in minutes, and it goes exactly where the fire did not. Extraction and IICRC S500 structural drying start alongside the smoke work, not after it, because wet framing in a Connecticut summer begins colonizing inside a day to two days if nothing moves the moisture out.

HVAC & Duct Decontamination After Fire

A forced-air system that ran during or after a fire is now a distribution network for soot, and cleaning the rooms while leaving the ducts loaded guarantees the odor comes back with the first cold snap. Supply and return runs, the blower, the coil, and the filter housing all get cleaned rather than just the visible registers.

Debris Removal & Site Clearing

Fire debris leaves the property under the waste rules that apply to it, and in a pre-1980 Connecticut building that question has to be answered before demolition rather than during it. Anything suspected of containing asbestos is left undisturbed until a state-licensed specialist has assessed it.

Thermal Imaging & Damage Assessment

Thermal cameras and moisture meters map how far heat, smoke, and suppression water actually travelled, which in a balloon-framed Connecticut house is frequently three floors away from the room that burned. The map is what keeps the scope honest in both directions, so nothing hidden is missed and nothing undamaged is billed.

Insurance Documentation & Direct Billing

Every loss is documented with timestamped photography, a written scope, daily logs, and an itemized estimate formatted for direct submission to your carrier. We submit that file to your insurer and answer the questions it raises. We are not licensed public adjusters and do not negotiate claims on your behalf.

Post-Fire Air Quality & Clearance

Before a family moves back in, the air gets checked rather than assumed. Particulate and odor verification, a walkthrough against the written scope, and a complete closing file are the last three steps on every Connecticut fire job we run, and the file is what makes the work provable a year later.

Soot Sets Permanently Within Days. The Clock Started At The Fire.

Fire Risk By Region

Seven Connecticut Regions, Seven Different Fire Jobs

Connecticut is small enough to drive across in two hours and old enough that its housing changes completely along the way. What burned, how it spread, and what the cleanup is allowed to be all follow the building era, which follows the region. Here is what changes, and where each one is covered.

Fairfield County and the Gold Coast

1890 to 1930 estate stock, dense post-war suburbs

From Greenwich through Stamford, Norwalk, Westport, and up into Danbury, the fire problem is scale and contents. Estate housing built between 1890 and 1930 carries plaster on lath, deep unbroken wall cavities, and millwork that cannot be reordered, so the cleaning decision on a single room can be the difference between a five-figure and a six-figure scope. Post-war subdivisions behind them add attached garages, which are one of the most common places a house fire starts and the worst place for it to start, because the shared wall and the ceiling above deliver smoke straight into living space. Contents values here mean the pack-out inventory matters as much as the structure, and the carriers are often Chubb, PURE, or AIG rather than a standard-market insurer.

  • Attached-garage origins
  • Plaster and lath cavities
  • High-value contents pack-out
Fairfield County coverage

The Naugatuck Valley and Waterbury

Mill-era brick, 1880 to 1925 multi-family

Ansonia, Derby, Seymour, Naugatuck, and Waterbury hold the densest concentration of pre-1925 multi-family housing in the state, and most of it is balloon framed. Balloon framing is the single most consequential thing about a fire in this region: the stud bays run uninterrupted from the cellar sill to the attic, so a fire that starts in a basement can be in the roof structure before anyone on the second floor smells it. Add shared party walls, common stairwells, and knob-and-tube left in place behind later wiring, and the scope on one unit routinely becomes a scope on three. Converted mill buildings nearby carry the opposite problem, heavy timber that chars slowly and holds odor deep in the section.

  • Balloon-frame vertical spread
  • Shared party walls
  • Heavy timber odor retention
Naugatuck Valley coverage

New Haven, the shoreline and the Sound

Victorian three-family, shoreline cottage stock

New Haven, Hamden, West Haven, East Haven, and the shoreline towns out to Madison and Clinton run a mix nothing else in the state matches. The city itself is three-family Victorian and early-1900s rental stock where a kitchen fire in one unit smokes the whole building and displaces three households at once. East of it, the shoreline cottages were built light and often seasonal, so a winter fire in an unoccupied house burns undiscovered longer and the salt-air environment then works against every exterior repair that follows. Nearly every one of these jobs involves tenants as well as an owner, which means two sets of policies and a rehousing conversation that starts the same day.

  • Multi-family displacement
  • Unoccupied seasonal structures
  • Salt-air exterior repair
New Haven coverage

Greater Hartford and the Farmington Valley

Post-war ranch and colonial, finished lower levels

West Hartford, Glastonbury, Simsbury, Avon, Farmington, and the towns around them are dominated by post-war and later subdivision housing, which changes the fire picture in two specific ways. Finished basements put bedrooms, home offices, and mechanical rooms in the same space, so an appliance or burner failure starts in occupied square footage rather than in an empty cellar. And the oil tank still sits down there in a large share of these houses, which turns a modest fire into a scene the fire marshal treats carefully and turns cleanup into a job with a fuel component. Above ground the framing is platform rather than balloon, so vertical spread is slower and the scope is usually more contained, which is the one advantage this region has.

  • Finished-basement origins
  • Cellar oil tanks
  • Platform framing containment
Hartford County coverage

The Litchfield Hills and the Northwest Corner

Antique timber frame, wood and pellet heat

Litchfield, Torrington, New Milford, Washington, Salisbury, and Kent carry the oldest surviving housing in Connecticut alongside a heavy dependence on wood, pellet, and propane heat. That combination produces chimney and flue fires that gas-heated markets rarely see, and it produces them in buildings where the chimney is masonry mass running through the center of a timber frame. Distance is the other variable. Long driveways, unhydranted roads, and tanker shuttle operations mean more water arrives later, so post-fire drying is a larger share of the job here than it is anywhere else in the state. Antique framing also has to be assessed rather than assumed, because hand-hewn timber with surface char often retains full structural section underneath.

  • Chimney and flue fires
  • Tanker-shuttle water volume
  • Hand-hewn timber assessment
Litchfield County coverage

The lower Connecticut River valley and the eastern shoreline

Colonial village centers, riverfront and coastal stock

Old Saybrook, Essex, Deep River, Chester, Old Lyme, East Lyme, Waterford, and the New London shoreline share tight historic village centers where buildings sit close enough that an exterior fire is a neighbor problem within minutes. Many of these structures are eighteenth and nineteenth century, which puts them inside local historic district review, and that review governs what the exterior repair is allowed to look like long after the cleaning is finished. Interiors run wide-board floors, original trim, and plaster that a wrong cleaning method destroys permanently. On the water side, seasonal occupancy again means delayed discovery, and a boathouse or garage fire on a river property can reach the main house across a gap that looks safe on a calm day.

  • Historic district review
  • Irreplaceable original finishes
  • Structure-to-structure spread
Middlesex County coverage

The Quiet Corner, Windham and Tolland

Mill villages, farmhouses, outbuildings

Killingly, Putnam, Plainfield, Brooklyn, Woodstock, Mansfield, Tolland, and the towns around them combine dense mill villages with genuinely rural farm ground, and the fire jobs split the same way. In the villages, attached worker housing spreads a loss sideways through shared walls the same way the Naugatuck Valley does. Out on the farms, the exposure is outbuildings: barns, shops, and equipment sheds that hold fuel, hay, and machinery, that sit outside sprinkler and hydrant coverage entirely, and that are frequently underinsured relative to what it costs to rebuild them. Wood and pellet heat is common in both settings, and volunteer departments covering large districts mean arrival times that vary far more than they do closer to the shoreline.

  • Attached mill housing
  • Barn and outbuilding losses
  • Unhydranted rural response
Windham County coverage
Connecticut Rules

How Connecticut Regulates Fire Work

Four things govern a Connecticut fire job, and knowing them in advance is the difference between a rebuild that moves and one that stops for a month. None of this is our policy. It is the law and the code the work sits under.

01

The local fire marshal holds the scene

Connecticut law requires every municipality to have a local fire marshal, and that marshal is responsible for determining the origin and cause of fires in the community. Until that work is finished the scene belongs to the investigation, not to the property owner and not to a contractor. Investigators generally work to NFPA 921, the national guide for fire and explosion investigations, which is methodical and sometimes slow. Nothing gets moved, cleaned, or thrown out before release. What we can do in that window is exterior stabilization, board-up, and tarping with the marshal permission, and start the documentation the claim will run on.

02

Cleaning is restoration, rebuilding is home improvement

Connecticut splits a fire job in half legally. The cleaning, deodorization, and drying phase is restoration work scoped against ANSI/IICRC S700. The structural repair that follows is home improvement work, which under Connecticut law means a contractor registered with the Department of Consumer Protection, a written contract, and a building permit from the town where the loss occurred. Green Restoration is an IICRC Certified Firm and carries Connecticut Home Improvement Contractor registration for the rebuild phase. Where a specialty falls outside our own crews, we coordinate a state-licensed specialist rather than performing it ourselves.

03

Pre-1980 buildings get assessed before anything is opened

A very large share of Connecticut housing predates 1980, which is the practical dividing line for assuming asbestos-containing materials, and 1978 for lead paint. The rule we work to is simple: assume, do not disturb, and do not test as part of a restoration scope. Asbestos abatement in Connecticut is licensed by the Department of Public Health, and so is lead abatement, so where a fire scope would disturb suspect material we stop and bring in a state-licensed contractor. We coordinate with state-licensed asbestos abatement contractors per EPA AHERA and CT DPH requirements. This is the step most often skipped on a fire job, and it is the one that turns into a stop-work order.

04

Getting the building legally occupiable again

Reconstruction after a fire is permitted and inspected under the Connecticut State Building Code through the local building department, and re-occupancy also has to satisfy the state fire safety and building codes on the things a fire exposes: smoke and carbon monoxide alarms, egress, and the separation between an attached garage and living space. Electrical service that took heat or water gets evaluated rather than reconnected on assumption. On a multi-family building the bar is higher again, because the fire marshal has a continuing interest in the property that a single-family house does not carry.

The Claim, In Order

What A Connecticut Fire Insurance Claim Looks Like

Five stages, in the order they actually happen. Connecticut gives you specific written protections at stage two, and most people never hear about them until after they have signed something.

  1. 1. Notice, and the first day

    Report the loss to your carrier as soon as the fire is out, before anything else is decided. Late notice is one of the few things that genuinely puts coverage at risk. Ask for the claim number, the adjuster name, and whether the policy carries additional living expense coverage, because that is what pays for somewhere to sleep tonight. In parallel, the property needs to be secured. Board-up and tarping are emergency mitigation, and virtually every homeowner policy in Connecticut expects you to take reasonable steps to prevent further damage.

  2. 2. Scope and price in writing, before work begins

    For repair, remediation, or mitigation performed under a homeowners or commercial policy, Connecticut General Statutes Section 38a-313a requires the contractor to give you a written notice of the scope of work and the estimated total price before the work begins. Not after demolition, not on the final invoice. Before. If a contractor asks you to authorize your carrier to pay it directly, the statute requires that document to disclose, in at least twelve point type immediately above the signature line, that you have the right to be named as a joint payee on that payment. Your name can be on the check.

  3. 3. The adjuster walk and the documentation package

    The adjuster visit sets the scope the claim is priced from, so what exists in writing before that walk matters. We arrive with a room-by-room scope, timestamped photography from the day we first entered, the residue typing that justifies each cleaning method, moisture logs where suppression water is involved, and a contents inventory covering both salvageable and unsalvageable items. We submit that package to your insurer and answer the questions it raises. We are not licensed public adjusters and do not negotiate claims on your behalf.

  4. 4. Living expenses and contents

    If the building is uninhabitable, additional living expense coverage generally pays the reasonable increase in your cost of living while it is being repaired, which usually means rent, and often means storage, laundry, and pet boarding as well. Keep the receipts from day one. Contents are handled on their own track: what can be restored goes to an off-site facility for ultrasonic cleaning, ozone chamber deodorization, or document freeze-drying, and what cannot is listed with enough detail that the carrier can value it. An unlisted item is an unpaid item.

  5. 5. How the money actually arrives

    Most fire claims pay in stages rather than all at once. An initial payment covers emergency mitigation and actual cash value, with holdback released as the work is completed and invoiced. If a mortgage is on the property the lender is usually named on the check and administers the funds against inspections. None of that is unusual and none of it should be a surprise, but it does mean the sequencing of your rebuild has to match the sequencing of the payments. Your deductible is between you and your insurer. We work with your deductible, not around it.

Complaints about an insurer go to the Connecticut Insurance Department. Complaints about a contractor go to the Connecticut Department of Consumer Protection, which administers home improvement contractor registration. We are not licensed public adjusters and do not negotiate claims on your behalf.

How CT Claims Work

How carrier claims work with you.

Connecticut policyholders generally have the ability to select their own licensed restoration contractor. Carriers and contractors work the same claim process together.

01RIGHT

Your policy, your selection.

Your policy is between you and your insurer. Selecting the licensed restoration contractor generally sits with the property owner.

02RIGHT

Referrals are a convenience.

Carrier referral and preferred-vendor programs are offered to streamline claims. You can use a referred contractor or retain a different licensed contractor.

03RIGHT

Direct billing works either way.

Referred or independent, we submit IICRC S700 documentation, photo-logged inventory, and itemized line items directly to your adjuster.

04RIGHT

You can change crews mid-job.

If you bring in a different licensed contractor mid-project, the scope and remaining work are documented at handoff so the claim continues without gaps.

Educational reference only. We are not licensed public adjusters and do not negotiate claims on your behalf. Coverage and process specifics live with your carrier and your policy language.

Why Choose Us In Connecticut

Owner-operated crews across every Connecticut county, working to ANSI/IICRC S700 on the cleaning phase and rebuilding under Connecticut permits on the repair phase.

One Team Through Board-Up And Rebuild

The crew that sheets your windows on the first night is the same company that pulls the building permit for the rebuild, so nothing is lost in a handoff between two scopes.

Oneaccountable contractor

Residue Typed Before A Method Is Chosen

Dry soot, wet smoke, and oily puffback film clean differently. Choosing before identifying is how a cleanable plaster wall becomes a replaced plaster wall.

S700standard followed

Statewide Coverage, Local Permits

Crews staged across Connecticut with a 60-minute board-up dispatch target, and rebuild permits pulled from the building department in the town where the loss happened.

60minute dispatch target

A File Your Adjuster Can Actually Use

Written scope, timestamped photography, cleaning and moisture logs, contents inventory both ways, and an itemized estimate formatted for direct submission.

Directcarrier submission
Emergency Fire Damage Guide

What To Do Immediately After A Fire

The first 48 hours after a fire determine whether contents and structure can be saved. Follow these steps while waiting for our IICRC-certified crew to arrive, within 60 minutes anywhere across CT, NY, or Western Mass.

What To Do Immediately

1
Ensure Everyone Is Safe & Accounted For

Stay out of the structure until the fire department clears it for re-entry. Even small fires leave carbon monoxide, structural weakness, and toxic residue behind.

2
Contact Your Insurance Carrier Immediately

File your claim within 24 hours. Most policies cover emergency board-up, temporary lodging, and content cleaning when reported promptly.

3
Document Everything With Photos & Video

Take timestamped photos and video of all visible damage before any cleanup. Your adjuster will require this to process the claim and approve scope.

4
Call Green Restoration (833) 800-0474

Get a board-up crew on-site within 60 minutes from the nearest office to secure openings, tarp the roof, and prevent weather or theft from adding secondary damage to your loss.

5
Retrieve Essential Items If Cleared Safe

Once the fire department authorizes entry, grab medications, ID, passports, and critical documents. Do not attempt to salvage damaged contents, professional cleaning is often possible.

6
Keep A Running List Of Everything Damaged

Start a written inventory of damaged contents for your adjuster. Include make, model, and approximate purchase date wherever possible.

What NOT To Do

Do NOT Enter Until Cleared By Fire Department

Structural framing, ceilings, and floors may be compromised. Carbon monoxide and toxic combustion byproducts can linger for hours after flames are out.

Do NOT Turn On Electricity Or HVAC

Damaged wiring can reignite fire. HVAC operation circulates soot and toxic particulates through undamaged areas of the home.

Do NOT Wipe Or Clean Soot Yourself

DIY cleaning smears soot into surfaces, bonds residue permanently, and voids most insurance coverage for content restoration. Specialized cleaning chemistry is required.

Do NOT Eat Food From The Home

Smoke, soot, and extreme heat contaminate food, canned goods, and sealed containers. Toxic residue can penetrate packaging.

Do NOT Turn On Electronics Or Appliances

Fire and smoke damage internal components. Powering them on often causes permanent damage that could have been prevented with professional cleaning.

Do NOT Sign Restoration Contracts Onsite

Be cautious of storm-chasing contractors who arrive unannounced at fire scenes. Always verify licensing, insurance, and local credentials before signing anything.

Our Process

Our Fire Damage Restoration Process In Connecticut

From the first call to final walkthrough, every step is documented, insured, and owner-supervised.

Fire-damaged New England kitchen photographed to document the scope before Connecticut restoration work begins
01Current Step
6 StepsStart to Finish
100%Owner-Supervised
DirectInsurance Billing
Fire Damage By Town

Connecticut Fire Damage Restoration By Town

Each town page carries the local building stock, the local response detail, and the crew that covers it. If your town is not listed, the county hub above it covers you and the phone number is the same.

Local Success Stories

Trusted by Families in Connecticut & Fairfield County

4.9 out of 5, Rated by your neighbors on Google

We discovered mold when removing our pellet stove and called Green Restoration for help. David was very communicative and helpful throughout the entire process. He did the job thoroughly and professionally. Highly recommended!

DW

David Woolner

Mold Remediation
Verified • October 2025

I had a fantastic experience with Green Restoration. From start to finish, the team was professional, thorough, and extremely knowledgeable. David came for the initial inspection and took the time to explain the entire process.

AG

Annmarie Gieparda

Mold Remediation
Verified • March 2025

We had mold due to a water leak in our half finished basement. David and his crew did a great job, we were very satisfied. I would highly recommend Green Restoration to anyone.

T

Tanya

Water Damage
Verified • February 2025

I needed my entire condo completely cleaned after a soot blow back. Green Restoration was top shelf! So thorough and professional. Thank you so much!

JH

Jacki Hornish

Fire & Soot Cleanup
Verified • September 2025
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Fire Damage Restoration Pricing

How Much Does Fire Damage Restoration Cost In Connecticut?

Price follows scope rather than square footage: what burned, how far the smoke travelled, and how old the building is. Bands are below, and the calculator gives a starting figure for your own loss.

Most Common

Smoke, Soot & Puffback

$1,500 to $8,500

Furnace puffback, chimney smoke, soot or nicotine odor cleanup, no structural burn

Contained Fire + Smoke

$8,500 to $45,000

Single-area burn with house-wide smoke, soot and suppression water cleanup

Major Structural

$45,000 to $150,000+

Multi-room structural loss with demolition, odor sealing and full reconstruction

Priced by scope: what burned, and how far the smoke traveled. Read the full cost guide.

Final cost depends on residue type, how much of the structure the smoke reached, whether suppression water added a drying scope, the age of the building, and whether a state-licensed asbestos or lead specialist has to be scheduled before demolition.

Expert Answers

Connecticut Fire Damage Restoration FAQs

Plain answers on scene release, puffbacks, coverage, contractor choice, timelines, and what a Connecticut fire job actually costs.

We target a board-up crew on the road within 60 minutes of your call, statewide, 24 hours a day at (833) 800-0474. Crews stage from locations across the state rather than from one address, so the drive is measured from the nearest one rather than from a single point. Realistically, a Fairfield County or Greater New Haven address is the shortest run and a Northwest Corner or Quiet Corner address is the longest, and severe weather stretches all of them. What matters more than the drive is what we are allowed to do on arrival, because the local fire marshal releases the scene on the investigation timetable, not ours. Until then we work the exterior and start the claim documentation.

Not until the fire marshal releases the scene, and then only if the structure has been assessed as safe. This is not a formality. Post-fire structures fail in ways that are not visible from the doorway, electrical service that took heat or water is a live hazard, and the air in a recently burned building carries particulate that has no business in anyone lungs. There is also a claim reason to wait: moving or discarding anything before the investigation finishes and before the loss is photographed can cost you the documentation the claim is priced from. When you do get access, go in with the crew rather than alone.

A puffback is what happens when an oil burner fails to ignite cleanly and the accumulated vapor lights all at once, pushing an oily black film out through the heating distribution system. It is not a structure fire, and people frequently mistake it for a dirty furnace, but it deposits residue on every surface in the building including the tops of door casings and the inside of every duct run. Connecticut sees far more of these than most of the country for one plain reason: this is one of the most oil-heated states in the country, per US Energy Information Administration residential heating-fuel data. Puffback cleanup is a full smoke job, and it is covered under most homeowner policies as a sudden and accidental loss.

Virtually every homeowner policy written in Connecticut covers fire, smoke, and soot damage, along with the water used to put the fire out, emergency board-up, contents cleaning, structural repair, and additional living expense while the building is uninhabitable. What varies is the limits, the deductible, and whether contents are covered at actual cash value or replacement cost. Read those three lines before anything else. Green Restoration submits its scope of work and supporting documentation directly to your insurer and provides the IICRC-standard records adjusters ask for. We are not licensed public adjusters and do not negotiate claims on your behalf.

Your policy is between you and your insurer, and selecting the licensed restoration contractor generally sits with the property owner. Carrier referral programs exist to make the claim move faster, and you can use a referred contractor or retain a different licensed one. Whichever you choose, Connecticut General Statutes Section 38a-313a requires the contractor to give you a written notice of the scope of work and the estimated total price before work begins, and to disclose your right to be named as a joint payee if it asks you to have the carrier pay it directly. Complaints about either side go to the Connecticut Insurance Department or the Department of Consumer Protection.

Call (833) 800-0474