Fire Damage Adjuster

Support for Fire Damage Claims

Fire and lightning damage is the third most common cause of homeowners insurance loss in the U.S., with fire claims accounting for over 20% of insurance losses between 2018-2022—with the average fire or lightning claim causing an estimated $83,911 in losses over that same period!

Here’s How Public Adjusters Help

Need a Fire Damage Adjuster?

Fire damage can range from localized damage to a total loss.

The extent of your home’s fire damage can vary based on the origin and severity of the fire. If the fire started on your stovetop and you were able to extinguish it quickly, you might only be dealing with moderate repairs to the surrounding area.

On the other hand, if an electrical fire started in your walls and spread through the rest of your home, you might be dealing with a total loss situation.

Soot and smoke damage are easy to miss and can impact buildings nearby that did not catch fire.

Charred walls and melted countertops are hard to miss, but other types of fire damage can be difficult to spot. You should be wary of any ash or heat damage to your home's HVAC or electrical systems.

Other signs of hidden fire damage include discoloration near air vents and residue on surfaces. smoke odor might have saturated porous objects like your carpets, curtains, and clothes. Did you know that the average cost per smoke claim is between $3,000 and $35,000, according to the Insurance Information Institute.

Depending on your policy, personal belongings destroyed or damaged in the fire may be covered losses.

Contents coverage is a specific clause in your insurance policy that covers damaged items like furniture, electronics, clothing, jewelry, and other items of value. It is helpful to have photos or receipts for items to demonstrate that they were in your possession prior to the date of the fire damage.

A Public Adjuster can help inspect and document your fire damage.

Filing a fire claim can be frustrating and time-consuming, so why not hire a fire damage adjuster to do it for you? Public Adjusters are licensed professionals that can help asses the damage, review your policy, and even negotiate with the insurance company on your behalf.

Whether or not you hire a Public Adjuster, do not wait to file your insurance claim. Waiting too long can increase the likelihood that your claim will be underpaid or denied due to policy requirements and compliance timelines. Providing as much documentation as possible in the form of photos, videos, and written descriptions of the loss will also help to solidify your claim.

Adjuster Advocate

Fire damage adjusters offer free comprehensive property inspections.

Public Adjusters are paid on contingency—so they only get paid when you do. They’ll inspect your property for free, and if you agree to hire them, you won’t have to pay for their services until after you’ve received a settlement check from your insurance carrier.

A complimentary policy review is also included in Public Adjuster services.

Understanding what is and isn’t covered by your policy can be a nightmare. Luckily, Public Adjusters are policy language experts. They can help translate your policy’s overly complex language into something that’s straightforward and easy to understand.

Public Adjusters also handle filing claims and all associated paperwork and documentation.

Your insurance expects you to provide as much documentation as possible to support your claim. A Public Adjuster can help gather the necessary photos, videos, and written descriptions of your loss. They’ll also take care of any paperwork, all in the service of helping you file a rock-solid fire claim.

ICON: Insurance Carrier negotiation with a Public Adjuster

Fire damage adjusters then negotiate your claim with your insurance adjuster to reach a fair settlement.

There’s a reason having a Public Adjuster on your fire damage claim can increase your claim settlement by up to 747%. Once they’ve inspected your property and put together a claim, your Public Adjuster is ready to go toe-to-toe with your insurance to negotiate a fair settlement.