The fire is out.
The fight isn't over.
Insurance companies rush to close fire claims before the full scope of damage is visible. Smoke travels through HVAC ducts, penetrates walls, and contaminates entire structures — well beyond the origin room. Structural damage from heat warps framing and compromises integrity in ways that won't show up in a quick walk-through.
We document every affected system, every contaminated surface, and every dollar your policy entitles you to. Then we fight until you get it.
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Our Documentation Scope
What We Document
On Every Fire Claim
Kitchen & Electrical Fires
The most common origin points for residential fires. We document burn char, heat warping, appliance losses, cabinet and countertop replacement, and electrical system damage — including panels affected by heat exposure or fire suppression water.
Smoke & Soot Contamination
Soot contains carcinogenic particles that embed in porous surfaces throughout the building. We test and document every contaminated room — walls, ceilings, flooring, furniture, and personal property — ensuring complete remediation scope is included in your claim.
HVAC & Duct Infiltration
Smoke distributed through forced-air systems contaminates every duct run, air handler, and supply register in the building. We perform HVAC-specific documentation to support full duct cleaning, coil replacement, and air handler restoration costs.
Structural Burn Damage
Thermal imaging reveals heat-compromised framing, joists, and load-bearing members that visual inspection misses. We bring licensed structural engineers where needed to document heat-induced weakness and code-required upgrades to the scope.
Content & Personal Property
Furniture, clothing, electronics, and valuables contaminated by smoke are often non-restorable and must be replaced at actual cash or replacement cost value. We perform a thorough room-by-room contents inventory and fight for complete replacement coverage.
Temporary Housing Costs
Most homeowner policies include Additional Living Expenses (ALE) coverage for hotel, rental, and relocation costs while your property is uninhabitable. We document and claim every covered ALE dollar — hotel, meals, storage, and transportation — for the full restoration period.
When fire takes the home,
we make insurance rebuild it.
Does smoke damage count even if the fire didn't touch that room?
Yes — absolutely. Smoke, soot, and odor permeate walls, ceilings, HVAC systems, and soft contents throughout a property, often well beyond the room where the fire originated. Insurers sometimes try to limit the claim to only the area of direct burn damage. We document every affected room and component, including HVAC duct systems, to ensure the full extent of smoke contamination is included in your claim.
My adjuster said only the kitchen needs repair — is that right?
Almost certainly not, if the fire involved any meaningful smoke. Kitchen fires produce soot and carcinogenic byproducts that travel through shared air systems and penetrate drywall, insulation, and cabinetry in adjacent rooms. A thorough inspection almost always reveals damage the insurer's adjuster missed — or chose not to include. We bring our own licensed specialists to document the full scope.
Can I still file a claim if the fire was ruled accidental?
Yes. Accidental fires are covered events under standard homeowner and commercial property policies. The cause determination affects liability, not your first-party property coverage. We handle fire claims resulting from kitchen accidents, electrical faults, appliance failures, and other accidental causes routinely. The only fires typically excluded are those ruled intentionally set by the insured.
What if my insurance company already sent a check?
Receiving a partial payment does not close your claim or waive your right to supplemental recovery. Insurers frequently issue quick, partial payments hoping policyholders will accept them as final. We regularly open supplemental claims after an initial payment and recover significantly more. If you haven't cashed the check or signed a release, your options are broader — but contact us even if you have. Every situation is different.
Do you handle total loss fires?
Yes. Total loss fires are among the most complex — and most frequently underpaid — claims we handle. Insurers may undervalue rebuild costs, apply depreciation incorrectly, or miss code-upgrade requirements that add significant value to your recovery. We document replacement cost value, apply code and ordinance provisions, and fight for the maximum settlement including temporary housing coverage throughout the rebuild.
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Fire Damage Claim
We respond to fire damage inquiries within one hour. No obligation, no pressure — just a straight assessment of what your fire and smoke damage claim is worth and how we can maximize your recovery.
Free Fire Claim Review
No obligation · Fire specialists respond within 1 hour