Smoke Damage Claims
Smoke and soot travel far beyond the flames. We find where they went and document the cleaning and repair they require.
What We Look For
Smoke reaches places the fire never did. We check every surface and system it touched.
Soot on surfaces
Soot on walls, ceilings, floors, and fixtures.
Airborne smoke
Smoke that spread to rooms the fire never reached.
HVAC contamination
Smoke and soot inside ductwork and HVAC systems.
Odor
Lingering smoke odor in materials, and the treatment it needs.
Contents cleaning
Cleaning or replacing clothing, upholstery, and electronics.
Professional cleaning
Specialized cleaning costs for soot and residue.
Sealing and repainting
Sealing, priming, and repainting smoke-stained surfaces.
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.
Stay out until it is safe. Follow the fire department's guidance before going back in.
Report the loss. Tell your insurer, and write down your claim number and the adjuster's name.
Photograph the soot. Take photos and video of soot, stains, and affected rooms before cleanup.
Hold off on wiping soot. Scrubbing can spread soot and set it into surfaces. Ask your insurer or us first.
Be careful with the HVAC. Avoid running it if smoke may have reached the ducts, and keep every receipt.
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.
Smoke Claim Questions
Does My Policy Cover Smoke Damage?
Many policies cover smoke and soot from a covered fire, even in rooms the flames never reached. Coverage depends on your policy, so we read it with you.
Can Smoke Damage Show Up Later?
Odor and discoloration can appear after cleanup. Document what you see and tell your insurer promptly.
Can Smoke Damaged Items Be Cleaned?
Some can, and some need replacement. We document the condition so the scope is clear.
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 Smoke Damage 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
Fire Damage
Structural fire loss, documented room by room.
Learn More about Fire Damage
Water Damage
Leaks, appliance failures, and flooding, with full drying and repair scopes.
Learn More about Water Damage
Underpaid Claims
Lowball offers, missed line items, and estimates that fall short of real repair costs.
Learn More about Underpaid Claims