Fire damage refers to the destruction caused by flames, heat, and combustion during a fire. This can include burned or charred materials, melted objects, and structural damage to walls, ceilings, and floors. It is typically more localized, affected areas get directly exposed to the flames and heat. In severe cases, it can compromise the entire structure of a building.

Smoke damage results from the residual smoke that spreads throughout the property during and after a fire. It can cause discoloration, corrosion, and lingering odors on surfaces and harm electronic equipment and appliances. Smoke damage often extends beyond the initial fire-affected area, as smoke can travel through ventilation and duct systems, and open spaces, impacting rooms and spaces not directly touched by the fire.