How to Handle Fire Damage Restoration in Spain
A complete expat-friendly guide to handling fire damage in Spain, including immediate steps, insurance claims, restoration timelines, and typical 2026 repair costs.
Quick Summary
Fire damage restoration in Spain often costs between €1,200 and €9,500 depending on the size of the property and the severity of the damage. Home insurance usually covers fire, smoke, and electrical damage, including repair, cleanup, and replacement of affected items.
- Always contact emergency services first
- Notify your insurance company within 24 to 48 hours
- Most Spanish home insurance covers fire and smoke damage
- Restoration companies handle cleanup, repairs, and air purification
- Professional restoration reduces long-term structural damage
Fire Damage and Insurance in Spain in 2026
Fires in Spanish homes often result from electrical faults, kitchen incidents, or heating systems. Even small fires can cause significant smoke and odor problems that require professional restoration.
Since 2012, ExpatInsurances.es has guided expats through insurance claims and helped them navigate the Spanish restoration and repair system. This 2026 guide explains exactly what to do if your home is damaged by fire.
What To Do Immediately After Fire Damage
Step 1: Contact Emergency Services
Call 112 for immediate assistance.
Step 2: Ensure the Property Is Safe
Only re-enter the home when authorities confirm it is safe.
Step 3: Document the Damage
Take photos and videos of all affected areas including:
- • Walls and ceilings
- • Electrical systems
- • Furniture and appliances
Step 4: Notify Your Insurance Company
Most insurers require claims to be filed within 24 to 48 hours.
Does Home Insurance Cover Fire Damage in Spain?
Yes. Fire coverage is included in nearly all Spanish home insurance policies, including:
What Insurance Usually Covers
- Repair or replacement of damaged structures
- Professional cleaning and decontamination
- Smoke and odor removal
- Repainting and restoration
- Replacement of appliances and furniture
- Temporary accommodation if home is uninhabitable
What Insurance Might Not Cover
- ✗Damage caused intentionally
- ✗Fires resulting from illegal installations
- ✗Neglected electrical systems
- ✗Items without proof of ownership
Fire coverage includes accidental fire, electrical faults, smoke damage, explosions, and kitchen fires.
Typical Fire Restoration Costs in Spain in 2026
Fire restoration costs depend on property size and severity. Below are average price ranges:
| Damage Level | Typical Cost 2026 | Description |
|---|---|---|
Minor fire | €1,200 - €2,500 | Localized damage, small burns, smoke cleaning |
Moderate fire | €2,500 - €6,000 | Multiple rooms affected, odor removal |
Major fire | €6,000 - €9,500 | Structural repairs and full restoration |
Severe fire | €10,000+ | Complete reconstruction and replacement |
Additional Expenses:
- • Temporary accommodation
- • Electrical rewiring
- • Air purification systems
- • New appliances
Most of these costs are covered by comprehensive home insurance policies.
The Fire Damage Restoration Process in Spain
Assessment and Inspection
Experts review the full extent of the damage and create a restoration plan.
Smoke and Soot Removal
Walls, ceilings, and surfaces are cleaned using specialized equipment.
Odor Neutralization
Professional treatments ensure smoke smells do not return.
Structural Repairs
Damaged materials are removed and replaced.
Final Cleaning and Certification
Once completed, the property is sanitized and certified safe to live in.
Common Mistakes to Avoid in Fire Damage Cases
How ExpatInsurances.es Helps After Fire Damage
We support expats through the fire damage claims process by:
- Explaining your coverage in clear English
- Handling claim documentation
- Coordinating with insurers on your behalf
- Recommending approved restoration companies
- Ensuring your policy pays for everything you qualify for
Expert reviewed
Written and reviewed by licensed insurance agents Maya Kallio and Marco Elsinger, who have helped over 15,000 expats in Spain since 2012.
Maya Kallio
Licensed Insurance Agent
Since 2012
Marco Elsinger
Licensed Insurance Agent
10+ years
Languages: English, Finnish, Spanish, German, Swedish
Frequently asked questions
Still have questions? Check these answers or get in touch.
Does home insurance cover fire damage in Spain?
Yes. Fire, smoke, and electrical damage are standard coverage items in nearly all Spanish home insurance policies.
How fast should I file a fire claim?
Within 24 to 48 hours to ensure full coverage. Most insurers require claims to be filed promptly after the incident.
Does insurance cover temporary accommodation?
Most comprehensive policies include hotel or rental reimbursement if your home is uninhabitable after fire damage.
Can I clean up before the inspection?
No. The insurer needs to see the original damage before restoration begins to properly assess the claim.
Are electrical fires covered?
Yes, provided your electrical system was legally installed and maintained according to Spanish regulations.
Does insurance cover belongings?
Yes, if you have contents insurance included in your policy. Buildings-only insurance won't cover personal items.
Can smoke damage be removed completely?
Professional restoration can remove almost all signs of smoke through specialized cleaning, odor neutralization, and air purification.
How long does restoration take?
Between a few days and several weeks depending on severity. Minor damage may take 5-10 days, while major restoration can take 4-8 weeks.
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