Smoke Damage Claim?

In a Fire & Smoke Damage Claim the burned and charred items are very obvious, however the Smoke & Soot Damage is often not as obvious and the subject of many insurance claim disputes.

How can a Public Adjuster help with your Smoke & Fire Damage Claim?

As your personal, licensed and bonded Florida Public Adjuster we are the only adjusters that are exclusively licensed to represent the interests of the policyholder throughout the claim process.  Upon filing your claim the insurance company will assign and send out a Staff Adjuster or an Independent Adjuster, 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 1 insurance company while an independent adjuster can represent many different insurance companies.

Why are there so many disputes with Fire & Smoke Damage Claims?

The main reason that a smoke damage claim is often difficult to resolve is that soot and smoke damage is often not very visible and literally gets everywhere.  One needs to have a good understanding of how smoke and soot travel and how the presence of Smoke & Soot can damage your property in order 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 are very acidic and will cause corrosion on many metallic items worse than the soot from burning wood would cause.  The soot and smoke will literally get into every nook and cranny that it can find.  Often times if the smoke and soot get into the attic it can actually fall into the wall cavity and as you can imagine, this is not easy to clean.  Smoke damage remediation and restoration needs to 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?

1. As quickly as possible and most definitely before you begin repairs!
2. When the insurance companies adjusters tells you they will treat you like their own family!
3. When the insurance companies adjuster appears very dismissive about your concerns and tells you that everything can be cleaned!
4. When you mention to the adjuster that you smell smoke and they say that everything smells just fine and looks at you as if you are crazy!
5. When your adjuster is telling you how easy it is to clean and repair the problem but all the contractors you’ve spoken with are advising you differently!
6. When you are Fed Up and have had enough of their delays and want to take control of your claim.