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.
Types of Fire & Smoke Damage We Handle
Fire and smoke damage can affect every aspect of your property in different ways.
Direct Fire Damage
Smoke Damage & Contamination
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.
Ensure Safety
Make sure everyone is safe and the fire department has cleared the property for entry.
Contact Insurance
Report the fire to your insurance company immediately, but don't let them rush the assessment.
Document Everything
Take photos and videos of all damage before cleaning or removing anything from the property.
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.
Insurance Company's Initial Offer
Final Settlement We Secured
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.