Fire & Water Damage Restoration
Why call a professional immediately instead of waiting on the adjuster? Because the clock is running. Why not just clean it yourself? Because you'll address the 20% you can see and seal in the 80% you can't. Why does documentation matter so much? Because the hidden damage is exactly what insurance companies don't put in the first estimate — and it's why so many payouts come in under the real cost of repair.
Immediate Estimates, Exceptional Service
Why Choose Pacific Insulation & Restoration for Fire or Water Damage Restoration?
When fire or water hits your home, you don't want a national call center — you want a local crew that shows up. Pacific Insulation & Restoration has been serving Spokane, Spokane Valley, and Kootenai County homeowners since 2012, and we're the same veteran-owned, locally-based team your neighbors have trusted for over a decade with insulation, mold remediation, and smoke damage cleanup.
Restoration work happens in your home at a stressful moment, so who you let in the door matters. Our customers say it best: "Gus and his team were very professional and knowledgeable, no hidden fees" (Ashley B., Spokane). "Very professional and even cleaned up after themselves. Straightforward and honest" (Dorothy H., Spokane). "Determined what I needed, did not oversell me" (Craig B., Newman Lake). And when time matters — because with water damage, it always does — "quickly scheduled, on time and did a great job including clean-up" (Mike M., Hayden).
Fourteen years in Spokane. Licensed in Washington and Idaho. Straight answers, fair rates, and a crew that treats your house like it's ours. Call Pacific for your fire or water damage restoration project.
Smoke & Fire Damage Restoration
From board-up the night of the fire to the final coat of paint. Structure assessment, soot and smoke removal, contaminated insulation and material removal, odor neutralization at the source, and full reconstruction back to pre-loss condition — or better.
Water Damage Restoration
Burst pipes, roof leaks, ice dams, appliance failures, and firefighting water. We remove standing water, tear out what can't be saved, dry the structure, stop mold before it starts, and rebuild everything from framing and insulation to drywall and finishes.
Reconstruction & Build-Back
Restoration isn't finished when the damage is gone — it's finished when your home is whole. Framing, insulation, drywall, flooring, paint, and trim, managed by the same company that did the mitigation, so nothing falls through the cracks between "cleanup crew" and "rebuild contractor.
Get Estimates Before Talking to the Adjuster
"Nearly half of home insurance claims pay nothing at all, and studies show about 3 out of 4 homeowners don't carry enough coverage to fully rebuild after a major loss. The first number the insurance company gives you is rarely the real number — which is why having an experienced local contractor documenting the damage and scoping the full repair matters." Every clause of that is sourced."
75%
Of Homeowners lack enough coverage to fully rebuild after a disaster
.24%
Of homes file a fire damage claim every year
1.7%
Of homes file a water damage claim every year
Is my family safe, and can we stay here?
Before money, before insurance — safety and shelter. With fire it's immediate and obvious. With water it creeps in: can the kids sleep in that room, is the electrical okay, is mold already growing.
Shock and violation
A home is supposed to be the safe place, and it just betrayed them. People describe standing in the wreckage feeling numb, and even a "small" water loss hits harder than outsiders expect — it's their stuff, their photos, their kid's room. They're not thinking clearly, which means they can't process complicated information.
What am I supposed to do right now?
Total decision paralysis. Do I call insurance first? Touch anything? Start cleaning? Who do I even call? They've never done this before, they know they're on a clock they don't understand, and they're terrified of making a mistake that costs them the claim. This is why "here's exactly what to do in the first 24 hours" content performs — it's the thing they're desperately googling at 11pm.
Am I going to get screwed?
Nobody's more suspicious of contractors than someone who just had a fire or flood — and they're right to be. Storm chasers follow disasters. Out-of-town crews take deposits and disappear. So don't take our word for anything. Check us out first: we're Pacific Insulation & Mold Remediation, opened on the South Hill off 36th and Perry in Spokane in 2012 by Gus Koedding born at Sacred Heart during Expo 1974. Veteran-owned, licensed in Washington (PACIFIL886KH) and Idaho, and our reviews are from your neighbors — Mead, Spokane Valley, Newman Lake, Hayden. "Straightforward and honest." "No hidden fees." "Determined what I needed, did not oversell me." That last one matters most in restoration, where the classic scam is finding damage that isn't there.
Here's how we make sure you don't get shorted by anyone —including the insurance company: we photograph and document everything before we touch it, we scope the full damage including what's hiding behind walls and above ceilings (moisture readings, not guesses), and we put it all in writing your adjuster can't wave away. Studies show most homeowners settle for less than the real cost of repairs. The ones who don't are the ones with documentation. That's what we build for you from day one. You'll get a written scope, a real number, and a straight answer about what's worth claiming and what isn't. If something doesn't need to be torn out, we'll tell you. That's how you stay in business in the same town for fourteen years.
My house didn't burn — is smoke and ash damage still covered?
This is the single biggest question, especially in the Spokane area where most wildfire damage is smoke contamination rather than direct fire. People don't know that most homeowners policies do cover smoke, ash, and soot damage from a nearby wildfire, and insurers frequently downplay it or offer a surface cleaning when the contamination is in the insulation, ductwork, and attic.
Is it safe to be in the house? Do I have to throw everything away?
The health question — is the air safe for my kids, is soot toxic (it is — it's acidic and carries VOCs), can soft goods, HVAC systems, and food be saved, and does the smell mean it's still contaminated. Related: "why does the smoke smell keep coming back?" — usually because odor is trapped in attic insulation and ductwork that never got addressed.
What do I do first?
The sequence panic: do I call insurance or a contractor first, should I start cleaning myself (usually no — DIY scrubbing can set soot stains and destroy evidence for the claim), how do I document everything, and how fast do I have to act before secondary damage sets in.
Will the insurance payout actually cover this — and what if their offer is too low?
Everything from "what's my deductible situation" to "the adjuster's estimate is half my contractor's bid" to "am I covered for a hotel while this gets fixed" (additional living expenses). This is where the underinsurance stats we pulled earlier land.
These four map cleanly onto an FAQ section or a "What to do after a wildfire" page for insulationspokane.com — and #2 is your differentiator, since smoke-contaminated attic insulation removal is literally your service. Want me to write the FAQ page with answers, or a social post built around one of these?
Sources: NAIC — What Should I Do After a Wildfire?, United Policyholders — Smoke and ash damage from a wildfire, Texas Dept. of Insurance — Fire/Smoke Damage FAQ, Allied — Smoke Damage Claims Guide
