"Fire is nasty"
Agreed. (Being a smoke eater myself)
As far as restoration goes, many folks have no idea exactly what heat and smoke (not to mention water from us hose jockeys) can do to a building.
The auto insurance industry has almost gotten to the point of "totalling" a car if there's any sort of fire in it due to the circuit boards and other electronic devices being damaged beyond repair from smoke and carbon residue. Wonder if they'll get to that point with houses sooner or later?
[This message has been edited by DougW (edited 06-18-2006).]