Damage Type
Support for fire, smoke, soot, and related property and contents insurance claims.
Fire and smoke claims are among the most complex property losses - and among the most underpaid. Carriers often scope only charred rooms while ignoring smoke that traveled through HVAC ducts, wall cavities, and contents three rooms away. Suppression water, soot, odor, code upgrades, and additional living expenses add up fast. Your Claim Hero documents the full loss and negotiates for a settlement that covers true restoration, not a cosmetic patch.
A fire claim is never just about what burned. Smoke, soot, heat, and water from firefighting affect far more than the point of origin.
Fire is a named peril on most HO policies. Coverage usually extends beyond the flame itself to the full consequences of the loss.
Insurers scope what they can see. Professional documentation captures contamination carriers miss on the first walkthrough.
Personal property is where many fire claims lose value. Carriers apply aggressive depreciation or exclude items from the inventory entirely.
If you cannot live in your home, your policy may pay hotel, rent, meals, and increased costs during restoration - until limits or carrier deadlines cut you off early.
Rebuilding after a fire may require current Florida building code - wiring, hurricane straps, impact openings, and more. That cost gap may be covered under Ordinance & Law if you have the endorsement.
Protect your safety, your claim, and your coverage from day one.
These disputes appear on most fire files we handle.
Fire losses are traumatic - delays in notice still give carriers room to argue prejudice.
Low first offers and partial denials are common on fire claims - not final.
After a fire, your insurer sends an adjuster who works for them - not for you. Fire claims involve structure, smoke in HVAC systems, contents, suppression water, and living expenses while you are displaced. A Florida-licensed public adjuster inventories every room, documents hidden soot and odor damage, and negotiates for a settlement that actually restores your home - not just the visibly burned areas.
No Recovery No Fee. If we aren't successful, you owe us nothing.
Fill out our online form or give us a call. The application takes about five minutes; share basic claim details and you're on your way to the payout you deserve.
Our team schedules an on-site inspection. We document every detail, and often uncover damage you may have overlooked.
We build a detailed Xactimate estimate, negotiate with your insurer, and handle mediation or appraisal. You stay informed 100% while we carry the workload.
Settlement complete, you get paid. Repair, rebuild, or move on with control back in your hands and this claim behind you.
It's so easy to get started.
Start My ClaimYes - fire is a standard covered peril on most Florida HO policies. Coverage typically includes structure, contents, smoke and soot damage, debris removal, and often additional living expenses. The dispute is usually scope and amount, not whether fire is covered at all.
Often yes. Kitchen fires, electrical events, and nearby structure fires can cause extensive smoke and soot damage without destroying the whole home. Documentation of odor, residue, and HVAC contamination supports the claim.
ALE - or loss of use - pays for temporary housing, meals, and increased costs while your home is uninhabitable during restoration. Coverage lasts for the period of restoration subject to policy limits. We track receipts and push back when carriers cut ALE early.
Yes. Water from sprinklers and fire department hoses is part of the covered fire loss. Dry-out, tear-out, and mold from suppression water should be included in the claim file - not treated as a separate excluded event.
Photograph and video every room before disposing of items. List damaged contents with age, replacement cost, and description. Receipts and bank records help for high-value goods. We build inventories carriers cannot easily deflate.
It depends on your policy limits, replacement cost vs. ACV terms, and depreciation rules. Carriers often underpay contents and scope. We document full replacement scope and challenge excessive depreciation.
When you have Ordinance & Law coverage, code-required upgrades during rebuild may be payable beyond the pre-loss repair cost. We verify your endorsement and include compliant scope in the estimate.
Notify your insurer as soon as possible. Florida law generally requires notice within one year of the date of loss, with supplemental claims within 18 months. Document and report the loss promptly.
Yes. We frequently take over mid-claim to supplement smoke scope, contents, ALE, and code items - or reopen when hidden damage appears during reconstruction.
We work on contingency. You pay nothing upfront, and we are paid only when we recover funds from the insurance company. No recovery, no fee.
Submit your details and a licensed public adjuster will follow up about your property damage claim.
