Fire damage to residential property

Fire & Smoke Damage Claims

Fire and smoke damage can be devastating and complex. Beyond the obvious destruction, smoke can penetrate throughout your property, causing damage that's not immediately visible. Our experienced public adjusters ensure every aspect of your fire and smoke damage is properly documented and compensated.

Comprehensive Fire & Smoke Damage Assessment

Fire damage claims involve much more than what meets the eye. While structural fire damage is obvious, smoke damage can affect areas far from the fire source, penetrating walls, HVAC systems, and personal belongings throughout your property.

Insurance companies often focus only on the visible fire damage and undervalue the extensive smoke damage and contamination. Our public adjusters have specialized training in fire and smoke damage assessment to ensure nothing is overlooked.

Time-Sensitive Assessment

Fire and smoke damage assessment must be done quickly to prevent further deterioration and contamination. We respond immediately to protect your claim.

Kitchen showing fire and smoke damage with restoration professional assessing the damage

Types of Fire & Smoke Damage We Handle

Fire and smoke damage can affect every aspect of your property in different ways.

Direct Fire Damage

Direct fire damage to structure and contents
Smoke damage throughout the property
Water damage from firefighting efforts
Heat damage to electronics and appliances
Soot contamination of personal belongings
Structural damage requiring rebuilding

Smoke Damage & Contamination

Smoke penetration into HVAC systems
Odor contamination requiring specialized cleaning
Damage to electronics from corrosive smoke
Textile and fabric contamination
Hidden smoke damage in wall cavities
Long-term health hazards from residual smoke

Why Fire & Smoke Claims Are Often Undervalued

Insurance companies frequently underestimate the full scope of fire and smoke damage.

Hidden Smoke Damage

Smoke can penetrate areas not visible during initial inspections, including inside walls, HVAC systems, and throughout the property.

Cleaning vs. Replacement

Insurance companies often assume items can be cleaned when replacement is necessary, especially for electronics and textiles.

Odor Remediation

Persistent smoke odors require specialized treatment that insurance companies often undervalue or exclude from settlements.

Immediate Steps After Fire Damage

Time is critical after a fire. Take these steps to protect your claim.

1

Ensure Safety

Make sure everyone is safe and the fire department has cleared the property for entry.

2

Contact Insurance

Report the fire to your insurance company immediately, but don't let them rush the assessment.

3

Document Everything

Take photos and videos of all damage before cleaning or removing anything from the property.

4

Call Public Adjuster

Contact us immediately to ensure your claim is properly handled from the beginning.

Commercial Fire Damage Success

How we helped a Jacksonville business recover from extensive fire and smoke damage.

$45,000

Insurance Company's Initial Offer

$127,800

Final Settlement We Secured

184%

Increase in Settlement

"When a small fire caused extensive smoke damage to my retail store, the insurance company tried to minimize the claim. Public FL Adjusters found smoke damage throughout the building that the insurance adjuster missed and got me back in business with a fair settlement."
— Michael P., Jacksonville

Fire & Smoke Damage Claims FAQ

Common questions about fire and smoke damage insurance claims.

Fire Damage? Time Is Critical!

Fire and smoke damage can worsen over time. Contact us immediately to protect your property and maximize your insurance claim.

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