Residential Fire Damage Claims in Chicago

The 5 Most Common Causes of House Fires in Chicago—and How to Prevent Them

House fires can be devastating—and in a densely populated city like Chicago, they’re a very real risk. From harsh winters to aging buildings, the combination of environmental and structural factors makes fire prevention an essential part of protecting your home and family.

Below are the five most common causes of house fires in Chicago, along with practical tips for prevention—and where to turn for help if you’re ever faced with fire or smoke damage.

1. Cooking Accidents

5 Most Common Causes of House Fires in Chicago

Cooking is the leading cause of house fires in Chicago and across the U.S. Unattended stoves, grease fires, and distractions in the kitchen often lead to preventable emergencies.

Prevention Tips:
  • Never leave food cooking unattended.
  • Keep flammable materials (towels, paper, wooden utensils) away from heat sources.
  • Use timers and stay alert, especially when using oil or high heat.
  • In case of a grease fire, smother flames with a lid or baking soda—never use water.

2. Heating Equipment

Cold Chicago winters mean space heaters, radiators, and fireplaces are in heavy use. Improper use or faulty equipment can quickly become dangerous.

Prevention Tips:
  • Keep heaters at least three feet from anything flammable.
  • Never leave space heaters running unattended.
  • Get furnaces and chimneys professionally inspected each year.
  • Don’t use ovens or stovetops to heat your home.

3. Electrical Malfunctions

Older homes in Chicago neighborhoods often have outdated wiring, increasing the risk of electrical fires—especially when combined with modern appliances and power demands.

Prevention Tips:
  • Don’t overload outlets or extension cords.
  • Replace frayed or damaged cords immediately.
  • Use surge protectors and avoid running cords under rugs or furniture.
  • Consider hiring a licensed electrician to inspect older homes.

4. Smoking Indoors

Cigarettes, cigars, and other smoking materials are a top cause of fatal fires—particularly when people fall asleep while smoking.

Prevention Tips:
  • If you smoke, do so outside.
  • Never smoke in bed or when drowsy.
  • Use deep, sturdy ashtrays, and ensure all smoking materials are fully extinguished.
  • Keep lighters and matches away from children.

5. Candles and Open Flames

Candles add ambiance, but they’re also a common source of accidental fires in homes throughout the city.

Prevention Tips:
  • Blow out candles before leaving a room or going to sleep.
  • Place candles on heat-resistant surfaces away from curtains or clutter.
  • Try battery-operated flameless candles for a safer option.
  • Never leave children or pets alone in a room with a lit candle.

If a Fire Happens: Call Chicago Water & Fire Restoration

Even with the best prevention, accidents can happen. When they do, it’s crucial to act quickly and contact professionals who can safely restore your home.

Chicago Water & Fire Restoration is a trusted local company that specializes in emergency fire damage cleanup and restoration. 

CWF offers 24/7 response and comprehensive services including:

Whether you’re dealing with minor smoke damage or a major fire, their experienced team helps get your home—and your life—back to normal as quickly and safely as possible.

FAQs about House Fire Restoration in Chicago

Unattended cooking is the top cause of house fires in Chicago, just like in other major cities. The NFPA reports nearly half of all home fires start in the kitchen. In colder months, we also see an increase in heating-related fires—space heaters placed too close to flammable materials are a common issue.
Fire restoration costs in Chicago vary widely depending on the scope. Minor smoke and soot cleanup might be under $5,000, while severe structural fires could exceed $100,000. The good news? Most of it is covered by your insurance if handled promptly and professionally. CWF provides free inspections and works with your insurer every step of the way.
Yes—very often. At CWF, we've restored dozens of homes in the Chicago area that looked beyond saving. Fire damage may look devastating, but with the right team, repairs and reconstruction are absolutely possible. We bring in licensed contractors, IICRC-certified technicians, and use top-tier equipment to restore everything from framing to final paint.
1. Ensure safety and contact emergency services. 2. Document all visible damage. 3. Notify your insurance company. 4. Contact CWF to begin fire restoration. 5. Secure the home to prevent further damage 6. Begin mitigation and rebuilding with our licensed team
Yes, standard homeowners policies typically cover fire damage, including structural repairs, damaged contents, temporary housing, and smoke mitigation. We always recommend reviewing your coverage annually and contacting us immediately after a loss—we help guide you through every step.
Yes, and the sooner the better. Timely filing helps avoid delays and maximizes what you’re eligible to receive. Document everything first (photos, lists, videos), then contact your insurance company and restoration provider. At CWF, we’ve worked with every major insurer in Illinois and can help advocate for your claim.
You may receive an initial payment for emergency services and additional payments as estimates and work progress. CWF works directly with your insurance carrier, so you’re not stuck navigating the red tape alone.
Don’t try to clean up on your own. Soot and smoke residue can be toxic and damaging if handled improperly. Avoid using electrical systems or appliances, and don’t throw anything away without documenting it. Let us help guide you safely through the process.

Stay Prepared Against House Fires

To reduce your risk and improve safety at home, make sure to install smoke alarms on every floor and test them monthly. Keep a fire extinguisher in key areas such as the kitchen, garage, and basement, and practice a home fire escape plan with your family. A little preparation can go a long way in protecting what matters most—and if a fire ever does occur, Chicago Water & Fire Restoration (CWF Restoration) is ready to help you recover quickly with expert fire damage cleanup and restoration services.

Call CWF Restoration Today for a Consultation! Let us help you navigate your fire damage claim with expert care and attention.

483f09b1606b9577f0c2fa5e116078717cd788bd86fa999f78c4e16e1e2af3d3?s=48&d=mm&r=g

Reviewed by:

Ryan Majewski

Ryan is a seasoned sales and operations professional in the property restoration industry, currently leading business development at Chicago Water & Fire. He brings over a decade of expertise helping homeowners, property managers, and commercial clients recover from water, fire, storm, and structural damage.

Scroll to Top