Does homeowners insurance cover fire damage restoration in Clinton Township?

Fire is a named peril in standard homeowners policies, so fire damage is generally covered, including smoke damage to rooms the flames never reached and the water damage from putting the fire out. The disputes are almost never about whether fire is covered; they are about scope and price. Keep the contractor's itemized written scope, the moisture and cleanup documentation, and photos, because those are what an adjuster reviews. Your deductible applies, and loss of use coverage, if you carry it, can pay for temporary housing while the home is uninhabitable.