Fire & Smoke Damage Claims

Fire & Smoke Damage Requires More Than a Surface Inspection.

Fire damage often extends beyond the areas directly affected by flames. Smoke and soot can spread throughout a property, impacting HVAC systems, insulation, personal property, and surrounding rooms. Water used during firefighting efforts can create additional damage. At HP Adjustments, we provide thorough inspections, detailed damage documentation, and experienced claim representation to help ensure all covered damage is properly evaluated.

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Understanding the Full Extent of Fire & Smoke Damage

The effects of a fire aren't always immediately visible. Beyond structural damage, smoke, soot, and water from firefighting efforts can affect multiple areas of a property. Identifying and documenting these conditions is an important part of preparing a comprehensive insurance claim.

VISIBLE FIRE DAMAGE

Structural char & burnt framing

Visible flame damage, collapsed sections, and scorched structural components.

Obvious smoke staining

Discoloration and soot deposits on walls, ceilings, and other exposed surfaces.

Burnt contents & personal property

Furniture, belongings, and other personal property damaged by flames or heat.

Real Example

A small kitchen fire causes visible damage in one room. However, smoke and soot may travel through ductwork and settle into insulation and other areas of the property. A comprehensive inspection helps identify damage beyond the immediate fire area so it can be properly documented and evaluated.

How We Handle Fire Claims

From the initial damage assessment through claim resolution, HP Adjustments provides experienced guidance, detailed documentation, and dedicated representation throughout the claims process.

Phase 01

Initial Claim Assessment

Review the reported loss and immediate concerns
Document visible damage and existing conditions
Review available mitigation documentation
Discuss temporary housing and ALE considerations, when applicable

Phase 02

Comprehensive Damage Evaluation

Assess structural, HVAC, and electrical damage
Evaluate potential smoke and soot contamination
Document affected contents and personal property
Prepare detailed repair estimates and supporting documentation

Phase 03

Claim Presentation & Resolution

Review applicable policy provisions
Submit and discuss documented damages with the carrier
Address differences in scope and repair estimates
Assist with settlement evaluation and applicable recoverable depreciation

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

Independent, disinterested appraisal services for property insurance disputes involving scope of damage, repair costs, and valuation differences.

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

Fire & Smoke Damage Requires More Than a Surface Inspection.

Understanding the Full Extent of Fire & Smoke Damage

Ready to Get Your Claim Reviewed?

Request a Free Review

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