Who does what
| Role | First steps |
|---|---|
| Homeowner | Call your insurer, secure the home, document damage, arrange temporary housing |
| Renter | Tell the landlord, call your renter's insurer, document belongings, ask about living expenses |
| Landlord or property manager | Secure the building, notify insurer, coordinate with tenants, document damage |
Living expenses and contents
Many homeowner and renter policies cover additional living expenses when a home is unlivable, along with contents. Keep receipts for hotels, meals above normal and storage. Make an inventory with photos, receipts and serial numbers. Insurers often want it in writing.
Apartment fires
Smoke and water move between units. Neighbors may have damage even if they were not in the fire unit. Property managers should document every affected unit and coordinate restoration so odor and moisture are not trapped between walls.
Planning the rebuild
- Get a written scope for cleaning, deodorizing and repair.
- Ask about permit and inspection requirements.
- Keep restoration and repair priced separately.
- Check where your contents will be stored and cleaned.
Garland homes built before the early 1980s may contain asbestos in some materials. If the fire opened walls or ceilings, ask about testing before demolition. For the full process, see fire damage restoration, contents cleaning and water damage restoration in Garland, TX if firefighting water soaked the home.
Ready to talk to someone?
Describe what happened and your ZIP code. You will be connected with an independent provider.
Frequently asked questions
Does renters insurance cover fire damage?
Typically yes for your belongings and often for temporary living expenses. Check your policy and keep receipts.
Who pays for apartment fire damage?
The landlord's insurance covers the building. Your renter's insurance covers your belongings. Fault is separate.
How long will I be out of my home?
Days for small fires. Months for major structural fires. Ask your provider and contractor for a realistic schedule.
Can my belongings be saved?
Many can be cleaned. See our contents cleaning page and photograph everything first.