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Fire Damage Claims
Insurance companies low-ball fire claims and leave covered losses off the table. We’re FL-licensed public adjusters who fight to recover every dollar you’re owed — and we don’t charge a cent unless we win.
Let’s Discuss Your Claim!
Connect with one of our licensed adjusters for a free fire damage consultation
Why Fire Claims Get Shortchanged
A fire tears through your home or business and you call your insurer expecting help. Instead, you get a lowball estimate that leaves out smoke damage to rooms the fire never touched, skips your contents entirely, and ignores the Additional Living Expenses you’re entitled to while displaced. Fire claims are among the highest-value property insurance claims — which is exactly why insurers fight hardest to minimize them.
South Florida adjusters routinely close fire claims without accounting for the full scope of destruction. Smoke and soot penetrate walls, HVAC systems, and contents far beyond the visible burn zone. And if your claim was partially paid or denied — often citing arson investigation, vacancy clauses, or policy violations — you may be leaving tens of thousands on the table.
Every day without a proper settlement is another day you’re out of pocket. Greenlight Claims reopens underpaid fire claims and builds the documentation your insurer cannot ignore.
How Greenlight Claims Fights Your Fire Claim
- We document the full scope of fire, smoke, soot, and water damage — including rooms and contents the insurance adjuster skipped or undervalued.
- We access every coverage layer: Coverage A (dwelling), Coverage B (other structures), Coverage C (personal property), Additional Living Expenses, and loss of use.
- We bring in licensed contractors and restoration specialists to produce a repair scope reflecting real South Florida rebuild costs — not the insurer’s discounted estimate.
- We challenge wrongful denials based on arson investigations, vacancy clauses, or alleged policy exclusions using Florida insurance statutes and case law.
- We negotiate aggressively until your settlement reflects what you actually lost — not the insurer’s opening offer.
Our Approach
Our Process
Step 1 — Free Claim Evaluation
We review your policy, your insurer’s estimate, and any denial letter at no cost. We’ll tell you exactly what coverage you’re entitled to and whether you have a viable reopened or new claim.
Step 2 — Full Documentation
We inspect the property, document all fire, smoke, soot, and water damage, and build a claim package with contractor scopes and itemized losses your insurer cannot dismiss.
Step 3 — Negotiation & Settlement
We submit your fully documented claim, respond to every insurer objection, and negotiate until you receive a fair settlement covering repairs, contents replacement, and displacement costs.
Common Questions
Frequently Asked Questions
My fire claim was already paid — can you help if it was underpaid?
Yes. A partial payment does not close your right to additional recovery. We regularly reopen fire claims settled far below the actual loss. If your insurer missed smoke damage, contents, or Additional Living Expenses, we can pursue the difference.
My claim was denied due to an arson investigation. What can I do?
Insurers must meet a very high standard before denying on arson grounds. We work with attorneys and investigators to challenge wrongful denials and protect your rights under Florida statutes.
The insurer says smoke damage isn’t covered beyond the burned rooms. Is that true?
Rarely. Smoke and soot travel through HVAC systems, walls, and ventilation throughout a structure. Most standard policies cover smoke damage as part of the fire peril. We document the full spread and force your insurer to address it.
How much does fire damage restoration cost in South Florida?
Residential fire damage claims commonly run $30,000–$150,000+. Insurers often use national cost databases that don’t reflect South Florida labor and material rates. We use local contractor scopes to establish the true cost.
Can you help with kitchen fires or small electrical fires?
Absolutely. Partial losses from kitchen fires, electrical fires, and appliance fires are among the most frequently underpaid claims. We handle claims of every size.
Your Insurer’s First Offer Is Rarely Their Best.
Fire claims are high-value — which is exactly why insurers work hardest to minimize them. Greenlight Claims knows every tactic they use and how to counter each one. Don’t accept a settlement that doesn’t cover what you actually lost.
Thinking about utilizing our services?
Location
2850 NW 79th AVE, Doral, FL 33122
Phone
(786) 882-1597
greenlightadj@gmail.com
Let’s Discuss Your Claim!
Connect with one of our Licensed Adjuster for a Free consultation today!
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