Smoke Damage Claim Services From Adept Public Adjuster
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Your Trusted Partner in Handling Smoke Damage Claims
We are the go-to resource for effectively and stress-free handling your smoke damage claim. Our Public Adjuster are not just experts in the field; they’re your advocates, committed to guiding you through each intricate detail of the claims process. From initial assessment to final settlement, we’re here to make sure you’re well-informed and confident every step of the way.
So why navigate this complex journey alone when you can have a trusted partner? Let’s take that first step together.
How can a Public Adjuster Help with your Smoke Damage Claim?
As your personal, licensed, and bonded Public Adjuster, we are the only adjusters who are exclusively licensed to represent the policyholder’s interests throughout the claim process. The insurance company will assign and send out a Staff Adjuster or an Independent Adjuster upon filing your claim.
Don’t be fooled. Both of these adjusters work for the insurance company. The only difference between an Independent Insurance Adjuster and a Staff Adjuster is that the staff adjuster only represents one insurance company, while an independent adjuster can represent many different insurance companies.
Why are there so any Disputes with Smoke Damage Claims?
The main reason that a smoke damage claim is often difficult to resolve is that soot and smoke damage are often not very visible and literally get everywhere. One needs to understand how smoke and soot travel and how the presence of Smoke and soot can damage your property to fully and completely assess the damages. The characteristics of Soot can vary greatly based on what the source is.
For instance, soot from burning plastics is very acidic and will cause corrosion on many metallic items worse than the soot from burning wood would cause. The soot and smoke will get into every nook and cranny it can find. Often, if the smoke and soot get into the attic, it can fall into the wall cavity; as you can imagine, this is not easy to clean.
Smoke damage remediation and restoration must be completed by a qualified contractor, as their actions are among the most important in your recovery.
When is it Time to get Help with your Smoke Damage Claim?
- As quickly as possible and most definitely before you begin repairs!
- When the insurance companies adjusters tell you, they will treat you like their own family!
- When the insurance company adjuster appears dismissive about your concerns and tells you, everything can be cleaned!
- When you tell the adjuster you smell smoke, they say everything smells fine and look at you as if you are crazy!
- When your adjuster tells you how easy it is to clean and repair the problem, all the contractors you’ve spoken with advise you differently!
- When you are Fed Up, have had enough of their delays, and want to take control of your claim.
Get the Help You Deserve for Your Fire or Smoke Damage Claim
Visible fire and smoke damage, including soot, ash, and discolored materials, may be easy to spot. What concerns us the most is the not-so-visible but yet very destructive soot damage. Soot which is left behind from a fire can be quite damaging to your home and your family’s health. Left untreated it can and usually will get worse over time as the soot eats away at the materials it settles on.
We typically get called when all efforts by the policyholder have already failed. Many of our clients have already submitted an appeal letter to their insurance company for underpaid claims, and based on our experience, this will often delay the claim even further. You do not have to go through this alone. Public Adjusters exist specifically to assist policyholders like yourself through the claims process.
Most people will hopefully never experience a fire or smoke damage claim, which puts you at a disadvantage when you find yourself in this situation. The Public Adjusters at Claim Concepts deal regularly with Fire, Soot, and Smoke Damage Claims. We know what needs to be done and how to navigate the claims process to a fair and proper resolution.
You have my 100% commitment that we will relentlessly fight to get you every last dollar that you deserve for your claim! You will not find a team with more passion for helping people than the team at Claim Concepts. – Greg Roover, President
Why Choose Us for Your Smoke Damage Claim
When it comes to navigating the intricate maze of smoke damage claims, you don’t want to go it alone. Here’s why our smoke damage Public Adjusters are your best bet for a smooth and successful claim process:
Expertise in the Field
- Deep Knowledge: Our team is well-versed in the nuances of insurance policies and claim procedures.
- Up-to-Date: We stay current with the latest industry regulations and settlement strategies.
- Specialized Training: Each adjuster undergoes rigorous training to handle smoke damage claims effectively.
Personalized Service
- One-on-One Consultation: We take the time to understand your unique situation.
- Tailored Strategy: No cookie-cutter solutions here; we create a customized plan just for you.
- Constant Communication: You’ll always be in the loop with regular updates and easy accessibility to our team.
Proven Track Record
- Success Stories: We’ve successfully negotiated numerous smoke damage claims, securing favorable settlements for our clients.
- Client Testimonials: Don’t just take our word for it; our satisfied clients speak volumes.
- Years of Experience: Our long-standing presence in the industry is a testament to our reliability and effectiveness.
So, are you ready to make your smoke damage claim a hassle-free experience?
We’re here to assist you if you’re dealing with a fire or smoke damage claim—whether it’s a new case or one you feel has been underpaid. Let’s discuss your specific situation and explore how we can make things right for you. Ready to start?
Don't Take Our Word For It
Read Reviews From Our Happy Clients
Meet the Senior Public Adjusters at Claim Concepts
Our Commitment
Greg Roover, SPPA
Inspired by Personal Experience
Greg’s path to becoming a Public Adjuster was deeply personal. The Northridge Earthquake was a turning point, where his family’s experience with a public adjuster opened his eyes to the profound impact of this role. Greg embarked on a strategic career journey, motivated by a desire to help others as his family was helped. He honed his skills working for insurance companies as an independent insurance adjuster.
In 2006, Greg’s vision came to fruition with the founding of Claim Concepts. His insider knowledge, gained from years within the industry, and his passion for aiding others have been instrumental in the company’s success.
In 2025, Greg earned the Senior Professional Public Adjuster (SPPA) designation from The Institutes, the highest designation available to public adjusters. Awarded only to seasoned professionals who complete a rigorous course of study and examinations, the SPPA reflects Greg’s commitment to mastering every aspect of the claims process on behalf of the policyholders he serves.
Greg’s expertise is not just in his impressive resume but in the countless testimonials from those he has aided, reflecting his dedication to securing the rightful settlements for our clients.
Greg's Expertise Backed by Industry Accreditations
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Florida Public Adjuster -
Lic #P017831 -
Georgia Public Adjuster -
Lic #2790971 -
South Carolina Public Adjuster -
Lic #716585 -
Tennessee Public Adjuster -
Lic #716858 - SPPA - Senior Professional Public Adjuster Designation
- NFIP Certified Flood Adjuster
- Former Independent Adjuster working for the Insurance Companies
- Former ICC Certified Residential Building Inspector
- Former Licensed: Mold Inspector/ Home Inspector
- Member FAPIA - Florida Association of Public Adjusters
- Member GAPIA - Georgia Association of Public Adjusters
Morgan "Eric" Thomas
From Adjuster to Advocate
Eric’s journey in the insurance world began in 1989, marking the start of a career defined by expertise and dedication. Fresh out of college, he jumped into the role of an independent adjuster, swiftly advancing to a general adjuster position at a major firm. There, Eric specialized in complex homeowners and commercial property insurance claims, showcasing his skill in navigating intricate scenarios.
In 2001, his career took a pivotal turn towards the construction aspect of insurance. As the General Manager for a renowned Insurance Restoration Contractor, Eric oversaw everything from estimating to maintaining vital relationships with insurance companies. His profound understanding of insurance and construction led him to Claim Concepts, where he now thrives as a Public Adjuster. His unparalleled insight has been crucial in ensuring that our clients receive the settlements they genuinely deserve
Eric's Expertise Backed by Industry Accreditations
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Florida Public Adjuster -
Lic #A263869 -
Georgia Public Adjuster -
Lic #3233218 -
South Carolina Public Adjuster -
Lic #3607940 -
North Carolina Public Adjuster -
Lic #3607940 - Former Independent Adjuster working for Insurance Companies (Since 1989)
- Former Insurance Restoration Contractor (Working for the Insurance Companies)
- Member FAPIA - Florida Association of Public Adjusters
- AIC - Associates In Claims
- Vale Institute - Large Loss Estimating
THE PROCESS
Our Proven Process Built on Precision, Leverage, and the Art of Resolving Complex Claims
Over many years, our team of seasoned professional Public Adjuster have developed a proactive claim management process to ensure our clients receive the proper settlement for their losses. We understand that proving your claim can be a daunting and time-consuming task, and we are here to alleviate that burden for you. Our goal is to make this process as seamless and stress-free as possible for you while ensuring that you recover the full and proper settlement for your loss that you need and deserve.
Step 1 - THE DISCUSSION
Your Claim, Our Strategy – It all begins with a no-obligation, in-depth review of your claim. We know that by the time most clients reach us, they’ve already experienced confusion, frustration, or a settlement offer that simply didn’t feel right. We will review all claim documentation including estimates, letters, policy, photos, and any other relevant items. We will then work directly with you to map out the most effective path forward. Rest assured that we will only make an offer to work with you if we are confident that we will add value to your claim.
Step 2 - THE EVALUATION
Exhaustive Inspection & Document Review – Once we partner, our team immediately gets to work on your claim. We dive deep into your policy to ensure we fully understand how it applies to your specific loss, while carefully reviewing all existing estimates, photos and documentation. We then conduct an exhaustive, technology-driven inspection of the property using advanced field tools to document every aspect of your loss, ensuring nothing gets overlooked.
Step 3 - THE DEMAND
Estimate Preparation & Submission – We develop a comprehensive, line-item estimate utilizing industry-standard software, subjecting it to a rigorous three-tier review process covering field accuracy, technical precision, and compliance, to ensure nothing is missed. Once completed, we share it with you for your review, input and approval before submitting our entire claim package to the insurance company as The Demand.
Step 4 - THE NEGOTIATIONS
Expert Negotiation, Focused on Your Best Outcome – We stand strong on your behalf, skillfully negotiating for the resolution you need and deserve. When negotiations stall, we don’t back down, we guide you through your available dispute resolution options, to keep your claim moving toward the outcome you deserve.
Step 5 - THE RESOLUTION
Successful Resolution, Your Satisfaction is Key: The final step, this is what everything has been building toward. A fair resolution isn’t just our goal, it’s our standard. Our clients’ outcomes speak for themselves, and yours will too!
CLAIM QUESTIONS? WE HAVE ANSWERS
Peace of mind! We are here to represent you and your interest in the claim. Unfortunately, insurance companies often times deny claims that should be paid or do not pay enough money on a covered claim. This is not always the case and even when it is it may not be intentional. I know that most adjusters have the best of intentions but sometimes they may be inexperienced or simply trained to see things one way, the way the big insurance company wants it to be seen. As Public Adjusters our number one job is to get you the largest settlement available to you under your policy with the insurance company.
NO. Most states have laws stating that Public Adjusters are not allowed to represent the insurance companies. At Claim Concepts, we only represent the insuring public.
The public adjuster is employed by you, the insured. Their function is to represent your interests and ensure that you recover the proper settlement for all of your losses per the terms of your insurance policy. The insurance company’s adjuster works for the insurance company and is responsible to protect their interests throughout the claim.
Public Adjusters typically work on a contingency basis which equals a small percentage of any money recovered by the insurance company.
NO! This is NOT required under any policy that I have seen to date and I do not recommend it. In the event of a loss it is best to employ a Reputable Public Adjuster that knows what the policy will cover and what it takes to get your property back to its pre-loss condition. Many contractors will provide you with a competitive bid to make repairs but not necessarily get your property back to its pre-loss condition.
Yes! In most cases we can reopen your file with a supplemental claim. There are many factors involved. Give us a call and we will be happy to offer you a free claim consultation.
Not necessarily. It is not recommended to file a claim every time you spill a glass of water as you may become classified as a nuisance claim maker. Property insurance is typically rated based on your area which is why all homeowner rates increased in Florida after the hurricanes, whether you filed a claim or not. The risk is more related to the area where your property is located and in commercial situations the use of the property. However, it is known that there are databases where claim activity is logged and each insurance company may have their own stipulations based on claim activity of the individual or the property. Ultimately, you buy insurance to protect you in the time of a loss. If you are debating whether you should file a claim or not, please feel free to call and speak with one of our Public Adjusters about your particular situation, we are always happy to help.
Do not do anything before having a qualified Public Adjuster or Attorney take a look at your file. Depending on the way everything is written you may be agreeing to their offer by depositing the check. Please call our office and speak with one of our Public Adjusters about your particular situation, we are always happy to help in any way we can.