Fire Damage Claims – Get the Maximum Settlement for Your Loss

A fire can devastate your property, destroy your possessions, and leave you with emotional and financial burdens. Whether it’s a small kitchen fire or a large-scale blaze, the aftermath often includes structural damage, smoke contamination, water damage from firefighting efforts, and costly cleanup. Filing fire damage claims can be a complex and frustrating process—especially when you’re already dealing with the trauma of loss.

At Care Public Adjusters, we’re here to help Florida homeowners and business owners recover quickly and completely. Our experienced fire damage claims adjusters work for you, not the insurance company, to ensure you receive the full settlement you deserve for your fire damaged property.

Why Fire Damage Claims Are Often Delayed or Denied

Many people assume their homeowners or commercial insurance will cover all fire-related losses. Unfortunately, that’s not always the case. Insurance companies are quick to inspect but slow to pay—and they often use technicalities to reduce or reject claims.

Common reasons fire damage claims get delayed or denied:

• Lack of proper documentation
• Alleged code violations or negligence
• Disputes over the cause of fire
• Coverage limitations on smoke or soot damage
• Incomplete damage assessments
• Lowball estimates for repairs and restoration

Having a professional fire damage claims adjuster on your side levels the playing field. At Care Public Adjusters, we meticulously assess, document, and present your claim to maximize your payout—not minimize your coverage.

We Handle Residential and Commercial Fire Damage Claims

Fires don’t discriminate—they can destroy homes, small businesses, and large commercial buildings alike. Our team is equipped to handle both residential and commercial fire damage claims in Florida.

Residential Fire Damage Claims

Whether you own a single-family home, condo, or rental property, we ensure that your fire damage claim covers:

• Structural repairs
• Smoke and soot removal
• Water damage from sprinklers or firefighters
• Electrical system replacement
• Contents and personal property loss
• Temporary housing (loss of use)

Commercial Fire Damage Claims

Fire can bring business operations to a halt, leading to massive financial losses. Our team specializes in commercial fire damage claims for:

• Restaurants, hotels, and retail stores
• Warehouses and industrial properties
• Apartment complexes and condos
• Office buildings and corporate facilities

We help business owners claim for inventory loss, equipment damage, structural repairs, and business interruption insurance, ensuring a swift recovery.

What’s Covered in a Fire Damage Insurance Claim?

Every policy is different, but most fire damage claims typically include:

• Dwelling coverage – Repair or rebuilding of your home or structure
• Personal property coverage – Furniture, electronics, clothing, and appliances
• Additional living expenses (ALE) – Temporary housing, food, and relocation costs
• Smoke and soot cleanup – Professional remediation and air purification
• Water damage restoration – Caused by firefighting efforts or broken pipes during the fire

We review your insurance policy line-by-line to identify hidden coverages, dispute exclusions, and ensure your fire damaged property is fully assessed for all eligible losses.

The Care Public Adjusters Fire Damage Claims Process

Navigating an insurance claim alone can be confusing and time-consuming. That’s where we come in. Our streamlined approach ensures your fire damage claim is filed accurately, completely, and on time.

Step 1: Fire Damage Inspection & Assessment

We perform a comprehensive inspection of your property to document visible and hidden damage. This includes checking:

• Roof, walls, and structural integrity
• Smoke and soot saturation
• Electrical and HVAC systems
• Contents and belongings
• Water intrusion and mold growth

Step 2: Insurance Policy Review

We analyze your homeowner or commercial insurance policy to understand:

• What’s covered and what’s excluded
• Replacement cost vs. actual cash value
• Special limits on personal property
• Deductibles and filing deadlines

Step 3: Claim Preparation and Filing

We prepare a detailed claim package with:

• Photos, videos, and drone imagery
• Third-party repair and restoration estimates
• Proof of ownership for damaged items
• Fire department reports and documentation

Step 4: Claim Negotiation

Our licensed fire damage claims adjusters handle all communication and negotiation with your insurance company. We push back against:

• Lowball offers
• Coverage disputes
• Delays or unreasonable demands for proof

Step 5: Settlement and Recovery

We don’t stop until you receive a fair settlement that covers 100% of your losses, including repair costs, contents replacement, and temporary living or business interruption expenses.

Why Choose Care Public Adjusters for Your Fire Damage Claim?

When your home or business suffers from fire damage, you need more than just an adjuster—you need an advocate. At Care Public Adjusters, we bring knowledge, experience, and dedication to every fire damage insurance claim we handle.

Local Florida Expertise

We understand Florida building codes, fire restoration regulations, and local insurance trends—especially for fire damaged properties in high-risk zones.

Licensed & Experienced Public Adjusters

We are licensed by the State of Florida and have years of experience settling fire damage claims for both residential and commercial clients.

No Recovery, No Fee

We don’t get paid unless you do. Our services are contingency-based, so there’s no risk to you.

Faster, Fairer Settlements

Our expert negotiation skills help expedite your claim and increase your payout—without the frustration of dealing with insurers directly.

What to Do Immediately After a Fire Damages Your Property

If you’ve experienced a fire, your safety and well-being come first. Once everyone is safe, take the following steps to protect your claim:

1. Call the fire department and file a report
2. Document the damage with photos and videos
3. Avoid throwing anything away until it’s documented
4. Contact a fire damage claims adjuster before calling your insurance
   

Secure the property to prevent further damage