Fire & Smoke Damage Claims
Beyond the flames lies smoke, soot and water damage too.
Fire is devastating, and the loss rarely stops at what burned. Smoke and soot infiltrate ductwork, contents and structure, while firefighting water saturates everything else. Adjusters often underestimate contamination and the cost to make a home livable again.
We document structure, contents and additional living expenses in full — and stand between you and an insurer looking to cut corners while you're displaced.
Fire losses we recover
- Structural fire & char damage
- Smoke & soot contamination
- Firefighting water damage
- Contents & personal property
- Additional living expenses (ALE)
- Electrical & HVAC contamination
Why work with a public adjuster
Insurance companies staff their claims with experienced adjusters, engineers and attorneys — all working to limit what they pay. A public adjuster is the only licensed professional who represents you instead. We interpret your policy, document the full scope of loss, and negotiate on your behalf so nothing is left on the table.
Our process
Free inspection & policy review
We assess the damage and review your coverage at no cost or obligation.
Detailed documentation
We build a defensible, line-item estimate capturing every element of your loss.
Negotiation & appraisal
We handle all insurer communication and push for a fair, complete settlement.
Recovery
You collect what you're owed — and we're paid only from that recovery.
Frequently asked questions
The fire was contained to one room. Why is the damage so widespread?
Because smoke, soot and firefighting water don't stay in one room. Soot infiltrates HVAC systems, electronics and porous contents throughout the structure; water saturates floors and walls below. A proper fire claim scopes the whole building — not just the burn area.
What are additional living expenses (ALE), and what can I claim?
If the home is uninhabitable, your policy's loss-of-use coverage pays the reasonable increase in living costs — temporary housing, meals beyond your normal grocery spend, laundry, mileage and more. Track everything; ALE is chronically underclaimed.
What does it cost?
Nothing up front. We work on a contingency basis — we don't get paid unless you do. Your free evaluation carries no cost or obligation.
My claim was already denied or underpaid. Can you still help?
Yes. A large share of the claims we take on were previously denied or underpaid. We frequently reopen and re-document these claims to recover what was owed.