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Who Should I Call First After a Fire in My Home?

Last updated October 26, 2026

The short answer

Emergency First

If the fire is still active or anyone is injured, call 911 before anything else. Your safety and the safety of your family come first. Do not re-enter the home until firefighters say it is safe.

Once the fire is out, the next step is to contact your insurance company. They can explain what your policy covers and guide you on the next steps. Policies vary, and your insurer decides what is covered.

  • Call 911 if the fire is active or injuries exist
  • Wait for firefighters to declare the home safe
  • Contact your insurance company after the fire is out
  • Take photos of damage for your records

Insurance Company First

Your insurance company is the second call after the fire is out. They will assign a claims adjuster to assess the damage and explain your coverage. Have your policy number ready and list the damages you can see.

The adjuster may ask for a detailed inventory of lost or damaged items. Keep receipts and photos if you have them. This helps the claims process move forward. Policies vary, and your insurer decides what is covered.

Fire Damage Pros

After you have contacted your insurance company, you can call local water damage pros who also handle fire damage. They assess the extent of the damage, secure the property, and begin cleanup. This includes removing soot, smoke odors, and water used to extinguish the fire.

The pros also check for hidden issues like water damage from firefighting efforts. They use specialized equipment to dry affected areas and prevent mold growth. In a humid climate like St. Petersburg, quick action is important to avoid secondary damage.

Safety and Health

After a fire, the air in your home can contain harmful particles from smoke and soot. Do not breathe in these fumes. If you feel unwell, see a doctor. Wear protective gear if you must enter the home, but it is sensible to let the pros handle cleanup.

Be cautious of structural damage. Fire can weaken floors, walls, and ceilings. Do not touch electrical wires or appliances that may be damaged. The pros will check for hazards and secure the property before any restoration work begins.

What to Expect Next

Fire damage restoration usually involves several steps. The pros will first remove debris and damaged materials. Then they clean and treat surfaces to remove smoke and soot. Finally, they dry the home thoroughly to prevent mold.

The process can take time, depending on the extent of the damage. You may need to find temporary housing while the work is done. Your insurance company can advise on additional living expenses if your policy covers them. Policies vary, and your insurer decides what is covered.

  • Remove debris and damaged items
  • Clean and treat surfaces for smoke and soot
  • Dry the home to prevent mold growth
  • Check for hidden water damage
  • Advise on temporary housing if needed

Need help right now?

Phones are answered 24/7 for St. Petersburg and nearby communities.

Call Now (727) 308-5518

Frequently asked questions

Should I call a plumber after a fire?

Not usually first. The pros handle the overall cleanup. However, if the firefighting water caused a burst pipe or other plumbing issue, a plumber might be needed later. The pros will identify such issues and recommend the right trade.

Can I stay in my home after a fire?

Only if firefighters and the pros say it is safe. Smoke and soot can be harmful, and structural damage may be hidden. It is often safer to stay elsewhere until the cleanup and restoration are complete. Follow professional advice.

How long does fire damage cleanup take?

The duration depends on the fire's size and the damage extent. Small fires might take a few days, while larger ones can take weeks. The pros will give you a timeline after assessing your home. Be prepared for a longer process if water damage is involved.

Call Now (727) 308-5518