Losses we handle
Fire & Smoke Damage Claims
Kitchen fires, electrical fires, total losses, smoke and soot throughout the home.
Fire claims are some of the most complex claims a family can face. Beyond the visible burn area, smoke and soot travel through HVAC systems, wall cavities, and every room in the house. Contents lists can run into the thousands of items.
We build a complete claim covering structure, contents, smoke remediation, code upgrades, and your living expenses while you are out of the home, so you are not left negotiating alone during an already stressful time.
Where claims go wrong: Smoke, soot, and odor damage outside the burn area is frequently underestimated or treated as "cleanable."
Common situations
- Kitchen and cooking fires
- Electrical and wiring fires
- Wildfire and neighboring structure fires
- Partial and total losses
- Smoke and soot damage from a nearby fire
Where insurers push back
- Smoke damage outside the burn area marked as clean-only
- HVAC and duct systems left out of the scope
- Contents undervalued or heavily depreciated
- Additional living expense (ALE) limits cut short
- Building code upgrade costs not included
What we review
- Structure and smoke damage evidence, room by room
- Detailed contents inventory and valuation support
- Ordinance and law (code upgrade) coverage review
- ALE, temporary housing, and debris removal costs
Other losses we handle
Before you accept the insurance company’s decision, get a second look.
A denial or a low estimate is not always the final word. Send us the details and we will let you know whether we can help, at no cost to you.