What Should I Do Immediately After a House Fire?

Your first move is to get every person and pet out of the house. Do not go back inside for belongings, documents, or valuables. Smoke and heat can be deadly, and the fire may not be fully out. Call 911 from a safe distance if the fire department is not already on the scene.

After the fire department gives the all-clear, call your insurance company to report the fire. They will guide you on next steps, including documenting damage and arranging temporary housing if needed. Have your policy number handy and describe what happened as clearly as you can. Policies vary, and your insurer decides what is covered.

Smoke and soot can be toxic, so wear gloves, a mask, and long sleeves when you enter the house. Do not touch walls or furniture, as soot can smear and become harder to clean. Open windows to ventilate, but only after the fire department says it is safe.

Take photos of the exterior and interior damage before any cleanup begins, but only if it is safe to enter. Your insurer may want a detailed list of lost items. Keep receipts for any immediate expenses like hotel stays or food. Do not throw away damaged items until your adjuster has seen them.

Many homeowners make the error of cleaning too early or throwing away items before documentation. Do not use a regular vacuum on soot, as it can spread particles into the air. Avoid turning on heating or cooling systems until they are inspected, as they can blow smoke and soot throughout the house.

Do not re-enter until professionals say it is safe. Do not use electrical appliances that got wet. Do not ignore smoke odors, they can persist for months. Do not delay calling your insurance company. Do not attempt major structural repairs yourself. Seek emotional support if you feel overwhelmed.