What exactly is covered will vary contract-to-contract, but there are a couple of different parts of identifying and repairing smoke damage that your insurance company might cover.  Hiring a professional to examine your home for any underlying damage Living costs while your home is being repaired Repair for any structural or cosmetic damage to your home Cleaning or replacement for damaged furniture or appliances Replacement for any damaged ventilation filters, drywall, or insulation throughout the house.