Fire Damage Claims
A fire can change everything in a day. We document the full loss, from the structure to the contents, and build a claim that reflects it.
What We Look For
Fire claims are often larger than they first appear. We check every area your policy may cover.
Structural fire damage
Charred framing, roofing, cabinets, flooring, and finishes.
Hidden damage
Damage behind walls, in attics, and under floors.
Firefighting water
Water damage from putting the fire out.
Contents loss
Furniture, electronics, and clothing.
Rebuild scope
A repair scope that reflects what the work will actually take.
Code upgrades
Code-required upgrades during repairs, if your policy covers them.
Debris removal
Debris removal and demolition costs.
ALE
Additional Living Expenses: the cost of living elsewhere while you rebuild.
What To Do Right Now
You are dealing with a lot. These steps protect your safety and your claim.
Get everyone safe. Stay out until the fire department says it is safe to go back in.
Report the loss. Tell your insurer, and write down your claim number and the adjuster's name.
Photograph before anything moves. Take photos and video of the damage before cleanup, where it is safe to do so.
Protect what is left. Board up openings or cover the roof if you can do it safely, and keep the receipts.
Save every receipt. Hotels, meals, and temporary needs may be covered as ALE.
Call us before you accept an offer. A free claim review takes about two minutes to start, and there is no cost to review your claim.
Fire Claim Questions
What Counts As Fire Damage?
Fire damage covers the burned structure and contents. Smoke and soot are often a separate part of the same claim, so we review both.
What Are Additional Living Expenses?
ALE covers the extra cost of living elsewhere while your home is repaired, such as a hotel or rental. Limits and conditions vary by policy.
Should I Throw Away Damaged Items?
Not yet. Photograph and list them first, then check with your insurer or with us before discarding anything of value.
Can I Hire You If My Claim Is Already Open?
Often, yes. Bring your policy, your claim file, and any carrier letters, and we will review where things stand.
How Long Does A Fire Claim Take?
It depends on the size of the loss and how the insurer responds. We explain the likely timeline in your free claim review.
Other Claims We Handle
Smoke Damage
Soot, odor, and smoke that reached rooms the fire never touched.
Learn More about Smoke Damage
Water Damage
Leaks, appliance failures, and flooding, with full drying and repair scopes.
Learn More about Water Damage
Denied Claims
A second look at denial letters, the policy language cited, and the reasons given.
Learn More about Denied Claims