?Do you want to know if it is safe to live in a house that has been smoked in?
What this article will do for you
You will read clear and simple answers. You will learn what smoke does to a house and what you can do next.
Who I am and how I can help you
You deal with insurance and property issues. I act as an insurance professional and public adjuster in Florida. I also work to help you find the right help with claims and repairs.
What “smoked in” means
“Smoked in” means people used cigarettes, cigars, or pipes inside the house. Smoke touched walls, ceilings, carpets, curtains, and furniture. Smoke left a smell and a sticky film on many surfaces.
Why smoke sticks to a house
Smoke has tiny particles and oils. The particles land on surfaces and stay. The oils make a film that holds smell and dust.
How smoke smells and why it feels strong
You smell smoke because tiny particles float in the air and cling to fibers. The smell feels strong in small rooms and when the house is closed. Heat and sunlight can make the smell worse.
Smoke on walls and ceilings
Smoke stains walls and ceilings over time. You will see yellow or brown marks on light paint or wallpaper.
Smoke in fabrics and soft items
Smoke sinks into carpets, drapes, bedding, and upholstery. The smell hides deep inside fibers. You can wash some items, but others may keep smell.
Smoke in HVAC and vents
Smoke goes into heating and cooling systems. Ducts, vents, and filters can carry the smell through the whole house. You must clean or replace parts of the system.
Smoke and paint and finishes
Smoke sticks to paint, wood, and varnish. The film makes surfaces look dull. You may need new paint or new finishes.
Is a smoked-in house safe to live in?
You can live in a smoked-in house, but it may not be comfortable. Many people feel itchy eyes, cough, or sneeze when the smell is strong. You should clean the house before you move in if you can.
Who should be more careful
Children, older adults, and people with breathing trouble need clean air more than others. You should plan to do more cleaning for them. You should ask a professional if you worry about their safety.
How to check how bad the smoke is
Walk through each room and smell the air. Open a window and let fresh air in for a few minutes. Rub a white cloth on a painted wall or on a baseboard and check if the cloth looks yellow or dirtied.
A simple test you can do at home
Look at vents and filters. Pull a vent cover off and look inside. You can use a flashlight to see dust and film. If the dust looks dark and sticky, the system needs cleaning.
When to call a professional for testing
Call a pro if the smell stays after you clean. Call a pro if you see heavy staining on walls and ceilings. Call a pro if you find mold or water damage that could hide smoke damage.
How cleaning helps
Cleaning removes surface film and some smell. Washing walls, ceilings, and floors will help. Cleaning soft items helps, but some things keep smell no matter what you do.
Steps you can take right away
Open windows and doors to let air flow. Replace HVAC filters and run the system. Wash hard surfaces with a proper cleaner. Wash curtains and small rugs in a washing machine if you can.
What to use to wash walls
Use a mild detergent and warm water. Use a sponge and rinse well. For heavy stains, you may need a stronger cleaner or a primer before you repaint.
When to repaint walls
You should repaint when stains stay after washing. Use a stain-blocking primer first. Paint will seal in odors and make the room smell cleaner.
How to clean carpets and rugs
You can rent a carpet cleaner and use hot water and soap. Steam cleaning can remove some trapped particles. You may still choose to replace old carpets if the smell stays.
How to deal with upholstered furniture
Remove cushions and wash covers if you can. Use a steam cleaner or take items to a pro cleaner. If the smell remains, you may need to replace the furniture.
How to clean mattresses
You can vacuum and use baking soda to reduce smell. Let the baking soda sit and then vacuum it up. Consider replacing mattresses that keep a strong smell.
How to treat curtains and bedding
You can wash many curtains and bedding in a machine. For large or delicate curtains, use a cleaner. Fresh fabric will help the house smell better.
How to clean HVAC and ducts
Replace filters first. Then have a licensed HVAC cleaner inspect and clean ducts. Clean vents and grilles by washing them in warm water and soap.
When to replace the HVAC system
If the system has heavy contamination or the smell will not clear, think about replacement. Replacing the system is costly. Ask a professional for an estimate and a second opinion.
What air cleaners help
Use a HEPA air purifier to remove small particles. Use a carbon filter to reduce odors. Run the air purifier in rooms you use most.
Why ozone machines are risky
Ozone machines can break down smells, but they can harm people and pets. You should not use them while you live in the house. Many pros avoid them or use them only when the house is empty.
How long it may take to remove smell
Simple cleaning can reduce smell in days. Deep cleaning may take weeks. Some smells may take months or may never fully leave without item replacement.
Costs to clean or fix a smoked-in house
Costs vary by the house size and the damage level. You may spend a few hundred dollars for simple cleaning. You may spend thousands for deep cleaning, repairs, and item replacement.
Cost estimate table
| Task | Typical cost range (Florida) |
|---|---|
| Basic cleaning and ventilation | $100 – $500 |
| Paint and primer for one room | $200 – $800 |
| Full house repaint | $2,000 – $8,000 |
| Carpet cleaning (per room) | $50 – $200 |
| Carpet replacement (per room) | $300 – $1,200 |
| Upholstery cleaning (per piece) | $50 – $300 |
| HVAC inspection and cleaning | $300 – $1,200 |
| HVAC replacement | $3,000 – $10,000 |
| Professional odor remediation | $500 – $5,000 |
These numbers give you a range. Prices change by city and contractor in Florida. Ask for written estimates.
What your insurance may cover
You should read your policy carefully. Insurance may cover smoke damage that comes from a fire. Insurance may not cover long-term smoke build-up from normal smoking. You should not assume coverage without checking.
When to file an insurance claim
File a claim if smoke damage came from a fire or a covered event. File a claim if cleaning and repairs will cost a lot of money. File a claim if you find unexpected damage like burned wiring or major staining.
How a public adjuster helps you
A public adjuster works for you, not the insurance company. A public adjuster inspects damage, documents losses, and writes the claim. The adjuster negotiates with the insurance company for a fair settlement.
Why you may want a public adjuster for smoke claims
Insurance companies may lowball smoke damage that looks minor. You may miss items that need payback such as duct cleaning, full repaint, or contents replacement. A public adjuster can spot missed items and make sure you get the right payout.
What a public adjuster will do for you
The adjuster will inspect the house and make a list of losses. The adjuster will take photos and write a report. The adjuster will file the claim and speak with the insurance company. The adjuster will push for more money if needed.
How you work with a public adjuster
You give the adjuster permission to work on your claim. You show them the damaged areas and give them documents. You let them negotiate with the insurer. You pay the adjuster a fee only if you collect money.
Why you should pick a local public adjuster
Local adjusters know Florida rules and local repair costs. Local adjusters can quickly visit your house and meet contractors. Local adjusters know the names of regional vendors and they can speed things up.
Why Otero Property Adjusting & Appraisals can help you
Otero Property Adjusting & Appraisals works from Pensacola, FL. Otero serves homeowners across Florida. Otero offers a free initial inspection with no obligation. Otero only gets paid when you get paid. You can call them at (850) 285-0405.
Otero contact and location
Otero Property Adjusting & Appraisals
3105 W Michigan Ave, Pensacola, FL 32526
(850) 285-0405
https://oteroadjusting.com/
What to do before the adjuster arrives
Take photos of stained walls, carpets, vents, and furniture. Make a list of items that smell or look damaged. Save any receipts for cleaning or repairs you already paid for. Keep items that have value and tag them.
What an adjuster will look for in a smoked-in house
The adjuster will search for smoke film on walls and ceilings. The adjuster will check HVAC, vents, and filters. The adjuster will inspect carpets, drapes, and upholstery. The adjuster will check for hidden damage behind cabinets and in closets.
How to document smoke damage
Take clear photos from several angles. Write short notes about dates and events that caused damage. Keep copies in a folder or an online file. You should keep paper receipts for any repairs or cleaning.
How to estimate repair costs
Gather quotes from local cleaners, painters, and HVAC techs. Ask for written estimates that list parts and labor. Compare the estimates and share them with your adjuster.
How mitigation helps your claim
You must try to stop more damage after you find it. This task may mean airing out the house and covering damaged areas. Save receipts for the work. You will include receipts in the claim.
Examples of what the insurance may cover
If a lightning strike caused a fire and the fire produced smoke, the policy may pay to clean and repair. If a neighbor had a fire that sent smoke into your house, your insurance may help with cleaning and repairs. If smoking by a tenant made a mess over years, insurance may not pay for routine cleaning.
How long you should keep records
Keep claim records until the claim closes. Keep records for your own files for at least a year after you receive settlement money. For major claims, keep records longer in case of a dispute.
Signs a house needs major work or replacement
If walls and ceilings have heavy staining and the film will not wash off, you may need new drywall. If carpet keeps the smell despite deep cleaning, you may need to replace carpet. If HVAC parts are old and full of film, think about replacement.
How to budget for repairs in Florida
Plan for higher repair costs after hurricanes or storms. Contractors may charge more in busy seasons. Get multiple bids and choose a licensed contractor.
How smoke damage affects resale value
A smoked-in house may sell for less. Buyers will often expect new paint, new carpets, and cleaner HVAC. If you can prove you cleaned and repaired the house, you can ask for a fair price.
How a public adjuster helps with resale value
A public adjuster documents the damage and repairs. The adjuster can get money for cleaning, replacement, and repairs. That money can let you fix the house before you sell.
Simple list of repairs and likely order
- Ventilate the house for several days.
- Replace HVAC filters and clean vents.
- Clean walls, ceilings, and floors.
- Clean or replace carpets and upholstery.
- Repaint with a primer and new paint.
- Replace any items that keep smell.
Do these steps before you move your things in fully.
Quick safety checklist for moving into a smoked-in house
- Open windows and doors for at least a day.
- Run fans and air purifiers.
- Replace HVAC filters.
- Clean visible stains on walls and floors.
- Wash bedding and curtains.
- Check smoke alarms and carbon monoxide alarms.
- Call a public adjuster if you find major damage.
Simple table of “Fix it now” vs “Fix it later”
| Fix now | Fix later |
|---|---|
| Replace HVAC filters | Replace full HVAC if smell remains |
| Clean walls and ceilings | New drywall if stains remain after painting |
| Wash curtains and bedding | Replace large upholstered pieces |
| Run HEPA air purifier | Use contractor odor remediation if needed |
Fixing what you can now will help you feel better fast.
Common mistakes people make
They paint over heavy smoke without cleaning first. They keep old filters and run HVAC. They skip duct cleaning after long-term smoking. They do not document damage before starting repairs.
How to avoid these mistakes
Clean surfaces before painting. Replace the filters. Have ducts cleaned by a pro if needed. Take photos before you start work.
When you should not accept a small offer from your insurer
If the offer does not pay for needed repairs or replacement, do not accept it. If the insurer ignores cleaning of ducts, full repaint, or replacement of contents, ask for more. A public adjuster can argue for a better offer.
How Otero handles claims in Florida
Otero inspects homes and writes a clear claim file. Otero uses local repair cost knowledge to build a fair claim. Otero works with you and the insurance company until you get the money you deserve.
What Otero charges you
Otero offers a free initial inspection with no obligation. Otero collects payment only if you receive a settlement. You can get details when you call.
How to pick a good contractor after you get funds
Choose a licensed and insured contractor in Florida. Ask for references and photos of past work. Get written estimates and a clear payment schedule.
How a public adjuster helps you choose a contractor
Your adjuster can suggest local contractors. Your adjuster can explain what repairs matter most. Your adjuster can help you check invoices for the final claim.
Example claim timeline with a public adjuster
- Day 1: You call and get a free inspection.
- Day 3-7: Adjuster inspects, documents, and files the claim.
- Week 2-6: Insurance company inspects and reviews the claim.
- Week 4-12: Adjuster negotiates and reaches a settlement.
- After settlement: You hire contractors and finish repairs.
Timelines vary by insurer and by season in Florida.
Frequently asked questions (FAQ)
Will the smell ever fully go away?
Sometimes it will. You can remove most smell with deep cleaning and replacement of items that keep smell. Some houses need major work. You will know after cleaning and testing.
How long does cleaning take?
Small jobs take days. Full-house cleaning may take weeks. Repainting and repair add more time.
Can I fix it myself?
Yes, you can fix small problems yourself. You may need pros for HVAC, duct cleaning, or heavy staining. Pros can save time and reduce mistakes.
Will the insurance pay for new furniture?
If the policy covers the damage and the insurer agrees that the furniture lost value, the insurer may pay. A public adjuster can help argue for contents replacement if needed.
What if a tenant smoked and left the house stinky?
You can file a claim if the lease or laws allow cleanup costs to be charged to the tenant. You should document the damage and the cost to clean or replace items. A public adjuster can help with these claims.
Final steps you should take now
Make a list of what smells or looks damaged. Take photos and short videos. Call Otero Property Adjusting & Appraisals for a free inspection if you live in Florida. Keep all receipts for cleaning and repairs.
Why act quickly
The longer you wait, the more smoke can settle. You may lose the chance to claim repairs if you delay. Quick action helps you get a better result.
How to call Otero today
Call (850) 285-0405 to book your free inspection. Visit https://oteroadjusting.com/ to learn more. You can also visit their office at 3105 W Michigan Ave, Pensacola, FL 32526.
Closing thought
You can make a smoked-in house safe and pleasant with the right steps. You can use a public adjuster to make sure your insurance helps pay for the job. If you live in Florida, call Otero Property Adjusting & Appraisals for a free inspection and clear help.
