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Ocean Point Claims Company
Ocean Point Claims:cleaning vs replacement disputes
Fire Damage Guide

Cleaning vs. Replacement Disputes

After a Florida fire, every affected item becomes a cleaning-vs-replacement decision. Carriers push cleaning; policyholders often need replacement. IICRC standards and industrial hygiene protocols provide the technical framework.

IICRC framework

IICRC S500 (water) and S520 (mold) provide remediation standards that fire-restoration industry also references. Key principles:

  • Porous materials generally cannot be fully cleaned
  • Semi-porous materials may be cleaned depending on exposure
  • Non-porous materials typically cleanable

By material type

Drywall (porous)

  • Heavy smoke = replace
  • Light smoke = clean and seal

Fabric (porous)

  • Most upholstery, drapery = replace
  • Some textiles cleanable with ozone/thermal fogging

Wood finishes (semi-porous)

  • Light smoke = clean and refinish
  • Heavy smoke = replace
  • Hardwood floors: heat/smoke damage often warrants replacement

Carpet (porous)

  • Near always replaced
  • Pad always replaced

Contents (varies)

  • Electronics typically replace (smoke-damaged circuitry)
  • Soft goods replace
  • Hard goods clean (often ultrasonic or surface clean)

Ocean Point Claims:electrical system contamination

Cost economics

Cleaning costs can approach replacement costs on heavy-smoke items. Carriers argue cleaning is cheaper; in practice, repeat cleaning + residual odor frequently justifies replacement.


How to document

  • IH report on contamination level
  • Before/after cleaning attempt documentation
  • Residual odor testing
  • Contents-specific valuation for replacement
  • Manufacturer or restoration specialist statements

Related

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