A gamble that people cleaning up after fires accept (10)
I believe the answer is:
sweepstake
'a gamble that people cleaning' is the definition.
'sweepstake' can be an answer for 'a gamble' (I've seen this before). I'm not certain of the remainder of the definition.
'up after fires accept' is the wordplay.
'up after fires' becomes 'sweeps' (I can't explain this - if you can you should give a lot more credence to this answer).
'accept' becomes 'take' (to accept is to take possession of).
'sweeps'+'take'='SWEEPSTAKE'
Can you help me to learn more?
(Other definitions for sweepstake that I've seen before include "lots here" , "gamble" , "prize" , "action on race" , "Lottery" .)