Fire and smoke insurance claims.

Claim What’s Rightfully Yours After Fire and Smoke Damage

Documenting damages to negotiation insurance policy ambiguities, our team will guide your claim every step of the way.

Let’s discuss your fire loss. We are here to answer your questions.

Speak to one of our licensed adjusters today. We represent you!

If your home or business has suffered from a fire loss we are here to help. Our adjusters are experienced in both residential homes and complex commercial losses. We handle both small & large loss claims.  

  • Commercial & residential fire loss experience.
  • We represent you, not the insurance company.
  • We only get paid if you get paid.
Public Adjuster Enters

Accessing all the coverages in your policy

When dealing with a fire loss you need to be aware of all the different coverages you can access in the policy. Below are some of the coverages in a residential policy.

Coverage A: Dwelling & Building

We create a detailed lined items estimate of the damages.

We do a thorough investigation of the building’s damage to material and structural issues including interior spaces, drywall, electrical and attic spaces. As well as exterior items windows, roof and walls. Smoke travels to all areas and cavities in the home through the HVAC ducts that need to be addressed.

  • Damage to building materials & structural issues.

  • Hidden water & smoke damages.
  • Additional costs such as debris removal.

(Above Picture) *Actual Claim represented by Floridian Public Adjusters.

(Above Picture) *Actual Claim represented by Floridian Public Adjusters.

Coverage B: Contents

Leaving no stone unturned, we focus on the details.

We work together with our content experts on documenting, photographing, and pricing out damaged content. Understanding when personal property needs to be replaced vs when it can be cleaned and restored is crucial to maximizing the personal property coverage on your policy.

  • A detailed list of damaged contents.

  • Current pricing and photos of the contents.

  • Depreciation and negotiation of the contents. 

Coverage D: Additional Living Expenses and loss of use.

Temporary housing and additional costs to live during repairs.

We help guide you through the coverage in the policy that pays for additional living expenses, and temporary housing, or if it’s a rental the loss of rental income that the property sustains. Accessing this coverage needs to be strategized as it has limitations you need to be aware of.

  • Understanding coverage limitations.

  • Strategizing a time Vs. Cost

  • Strategizing claim period Vs. Reconstruction.

additional living expenses

Addressing secondary damages

Supporting your claim demand with evidence of secondary damage from a fire loss.

Types of secondary damages

The damage from a fire is not limited to the area that was burnt by the fire. Other secondary damages such as:

  • Smoke traveling through the AC system
  • Water damage to extinguish the fire.
  • Mold from the water damage.
  • Theft from the vacant property.

All damages should be addressed when dealing with an insurance claim.

fire damage

Fire Damage

smoke damage

Smoke Damage

water damage

Water Damage

Mold Damage

10 year in business public adjuster

Fighting for the policyholder

Floridian Public Adjusters has settled over 200 million in commercial and residential claims with over a decade in business. Don’t settle for less, get the money you deserve. Fight for your claim!