Smoke only losses typically take one to two weeks from first cleaning to odor treatment. A fire that damages structure runs to months: one or two rooms with structural work commonly take three to six weeks of active repair, and larger structural losses can run three to nine months including permits and inspections. The variables are the scope the insurer approves, material lead times, and inspection scheduling. A contractor should give you a phase timeline in writing, not a single date promised on the phone.
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