Fire & Smoke Damage Claims

Insurance Carriers Focus on What Burned. We Document What They Miss.

After a fire, carriers typically scope only the visible burn area. They ignore smoke infiltration, soot in HVAC systems, and water damage from firefighting. We document the complete loss: every affected room, every hidden system, every cost the carrier doesn't want on your estimate.

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What Fire Damage Really Covers

With fire claims, what you see is only a fraction of what is actually damaged. Carriers routinely scope the first, not the second.

What you see

Structural char & burnt framing

Visible flame damage, collapsed sections, and scorched load-bearing members.

Obvious smoke staining

Wall and ceiling discoloration adjusters cannot dispute.

Burnt contents & personal property

Items destroyed at or near the burn perimeter.

Real Example

A small kitchen fire leaves visible damage in one room. But smoke and soot have already traveled through your ductwork and settled into insulation across the whole house. That’s what we document — not just the burn area.

How We Handle Fire Claims

Fire claims move through three phases. We represent you at every one.

Phase 01

Emergency Response

Secure the loss scene
Document conditions before cleanup
Arrange ALE / temporary housing
Coordinate board-up and mitigation

Phase 02

Full Damage Assessment

Structural + HVAC + electrical scope
Smoke & soot testing throughout
Contents inventory and valuation
Xactimate estimate carriers respect

Phase 03

Settlement Negotiation

Policy-level coverage review
Direct negotiation with the carrier
Code upgrade and Ordinance & Law recovery
Final settlement and depreciation release

More Claims We Handle

Water Damage

Pipe leaks, burst pipes, slab leaks, appliance failures, and storm water intrusion.

Learn more →Hurricane & Storm Damage

Wind damage, missing shingles, roof impact, and water intrusion after storms.

Learn more →Roof Damage

Storm damage, wind and hail impact, leak-related issues, full roof evaluations.

Learn more →Mold & Secondary Damage

Mold from water loss, delayed damage, and secondary structural issues.

Learn more →Appraisal Services

Disinterested appraiser for claim disputes involving scope, valuation, or contested estimates.

Learn more →

Ready to Get Your Claim Reviewed?

Contact us today for a free consultation. We evaluate your property damage and help you get what you are entitled to from your insurance company.

(386) 214-8563

Serving Daytona Beach, Orlando, Volusia County & Central Florida

HP Adjustments

Licensed Florida Public Adjusters serving Daytona Beach, Orlando, Volusia County, and Central Florida. We fight for policyholders, not insurance companies.

Daytona Beach, FL

Heather Pacheco, FL Lic. #W604295 | NC Lic. #19316345
HP Adjustments, LLC, Firm Lic. #G259997

Insurance Carriers Focus on What Burned. We Document What They Miss.

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