Fire Insurance Claim

Smoke and Soot Damage

Smoke permeates everything. It travels through HVAC systems, penetrates walls, and embeds in porous materials. Insurance adjusters often underestimate smoke remediation costs because the damage isn't immediately visible. Professional smoke remediation can cost tens of thousands of dollars.

Water Damage from Firefighting

Firefighters use thousands of gallons of water. This water causes structural damage, promotes mold growth, and ruins personal property. Insurance companies sometimes try to separate fire damage from water damage to limit payouts.

Structural Integrity Issues

Fire weakens structural components even when they don't burn completely. Beams, joists, and framing may need replacement even if they look intact. This requires engineering assessments that insurance companies often resist paying for.

Total Loss Determinations

When repair costs approach or exceed the home's value, insurers declare a total loss. Total loss settlements involve complex calculations about dwelling limits, actual cash value versus replacement cost, and land value.

• Secure the Property — Board up and tarp immediately to prevent further damage
• Document Everything — Take extensive photos and videos before any cleanup
• Get the Fire Report — Obtain official fire department documentation
• Don't Discard Damaged Items — Keep everything until the adjuster inspects
• Get Multiple Contractor Estimates — Fire restoration contractors, not general contractors
• Request Engineering Assessment — For significant structural damage
• Document Smoke Penetration — Show how smoke traveled throughout the property
• Track All Expenses — Keep receipts for temporary housing, meals, clothing, etc.
• Review Total Loss Calculations — Ensure they're using correct dwelling limits and valuations
• Consider Replacement Cost Implications — Understand how depreciation and replacement work