Fire & smoke claims
Fire & Smoke Damage Claims
Fire claims have three moving parts: structure, contents, and additional living expenses. Most homeowners under-claim at least one.
After a fire, you're suddenly running three claims in parallel while finding somewhere to live. We take all three off your plate: scope of repair, full contents inventory, and ALE tracking, so you can focus on your family.
When to call us
- Active or recent fire loss to a home, business, or rental.
- Smoke or soot damage even if flames were limited to one area.
- You've been displaced and need ALE coverage activated.
- Contents (clothing, electronics, furniture) need a full inventory.
- Insurance company wants to clean items you believe should be replaced.
What we'll handle
- Full structural scope including smoke remediation, HVAC, and odor mitigation.
- Room-by-room contents inventory with replacement cost valuation.
- ALE tracking and reimbursement coordination.
- Code-upgrade analysis and negotiation on rebuild scope.
Why hire us on this claim
We find the real problem. We understand the policy. We value the damage. We handle the claim.
Diagnosis first.
We name what the dispute is actually about.
Policy fluency.
We read the policy line by line.
Damage expertise.
Property losses are our daily work.
The claim, handled.
We take over the back and forth.
Goal: the claim you are owed on this loss.
Need help understanding your estimate?
Upload the estimate from your insurance company and we'll explain it. Or if your claim is new, tell us what happened. Either way, we'll tell you straight whether a public adjuster will add value.