IMAGE: Fire and Lighting Peril

Get Help With Fire Damage

Fire damage is traumatic and brings the added stress of the fire insurance claims process. If your property was damaged during an accidental fire or wildfire, a licensed Public Adjuster can help you file the claim with your insurance to maximize your settlement.

Hire A Fire Damage Adjuster

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Property Inspection & Policy Review

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Fire Damage Can Prove Costly

& Frustrating

It’s not hard to see why fire damage is a policyholder’s worst nightmare. Property fires are traumatic, life-altering events and can often lead to serious financial consequences. Between 2014 and 2023, there were over 344,000 fires in the U.S., causing an estimated $11 billion in fire damage.

To make matters worse, homeowners and renters often struggle to get a fair settlement for their fire damage claim and often receive little to no sympathy from their insurance providers.

Fire Damage Common Causes

The top five most common causes of property fire damage are:

  1. Kitchen Fires: Cooking is by far the most common cause of property fires, accounting for nearly half of all home fires across the nation.
  2. Heating Devices: Space heaters and fireplaces can be a great way to stay warm in the winter, but can just as easily be easy ways for fires to start if left unattended.
  3. Electrical Malfunctions: Faulty wiring and overloaded circuits often lead to electrical fires that can start seemingly without warning.
  4. Smoking: Smoking may only be the fourth most prominent cause of house fires, but it’s also the leading cause of fire-related deaths in the home.
  5. Candles: It’s probably no surprise that leaving a lit candle unattended is a common way for house fires to get started.

Other noteworthy causes of fire damage include lightning strikes and wildfires. 

IMAGE: Fire Property Damage Claim

Identifying Fire Damage To Your Home

Correctly identifying damaged areas of your home after a fire is crucial to receiving an equitable settlement from your insurance. Once your home is safe to enter, you should do a thorough inspection to identify any potential fire damage.

Certain types of fire damage are fairly obvious—things like charred or singed appliances, warped/melted metal, smoke or soot damage to your walls and floors, and even water damage from attempts to douse the fire.

Other types of fire damage can be harder to spot and might even require a professional to reliably identify. This includes things like heat damage to your roof or plumbing, melted wiring, smoke damage to HVAC systems, and even more subtle structural damage.

It’s worth noting that, if you were thinking about hiring a Public Adjuster to help with your claim, now would be the best time to do it. You can hire a Public Adjuster at any point during the claim process, but they’re most effective when they’re able to help with the entire process, beginning with an initial damage assessment. 


What Is A Public Adjuster?

A Public Adjuster is a licensed insurance professional hired to represent policyholders during the insurance claim process. Unlike regular insurance adjusters, Public Adjusters work for you, not the insurance company, and are there to help you maximize the settlement you ultimately receive from your insurance.

Public Adjusters know the ins and outs of the fire damage insurance industry in your state. They can help you identify damages to your home, build your claim, and even negotiate with your insurance for an equitable settlement. 

Learn more about Public Adjusters, or find a Public Adjuster to help with your fire claim today.

ICON: Public Adjuster Inspection

A rushed or lazy inspection from your insurance adjuster can cause your claim to be denied or severely underpaid. Public Adjusters offer completely free damage inspections with industry-leading tech and tools to gather an accurate understanding of the extent of the fire damage.

ICON: Public Adjuster Insurance Policy Expert

Did you actually  read all the fine print in your insurance policy? When property damage occurs, Public Adjusters study your policy and offer expert guidance on your coverage and navigating the claims process. Public Adjusters know the insurance lingo and translate it into layman’s terms.  

ICON: Public Adjuster creating a Loss Estimate

Public Adjusters provide a loss estimate and submit your claim to the insurance carrier, along with photographic evidence and other documentation. A good Public Adjuster will do whatever it takes to secure a fair claim settlement from your insurance company.

ICON: Public Adjuster Insurance Carrier Negotiation

Public Adjusters are on your side in claim negotiations with your insurance company. They review the insurance adjuster’s inspection report, estimate, and settlement offer to determine if you are getting a fair deal.  Public Adjusters advocate for the settlement amount that you are owed.

Public Adjuster know-how

The average homeowner isn’t an insurance expert, and navigating an insurance claim can be overwhelming. Public Adjusters advocate for policyholders, ensuring they understand their policy, rights, and the claims process to receive the full compensation they deserve.