In most cases we clean homes from fire or water damage while the homeowners are still in the house. The initial fire damage inspection helps determine if the home is livable. I work with the adjuster to determine if it is safe or practical for the homeowner to remain.
The level of fire damage will determine that as well, for example if you have power pulled from a bad fire or if the mold levels are at a point where it is not healthy to stay. But bottom line it is your home and you are the one that in the end makes that call.