Estimating Fire Damage & Restoration Costs

Fire damage insurance claims can be incredibly complex and expensive. Even a small error in your claim could lead to denial or a reduced payment, leaving you with insufficient funds to cover the necessary repairs after a fire.

 

Fire Insurance Adjusters
It's important to remember that insurance companies are businesses, not charities. Their goal is to pay the least amount legally possible for fire insurance claims. Insurance companies often seek reasons to reduce fire damage estimates and lower claim settlement amounts.

You can avoid the hassle and potential pitfalls by hiring a ClaimShield public adjuster.

 

How ClaimShield’s Fire Insurance Adjusters Help
A ClaimShield fire insurance adjuster works solely on your behalf, the policyholder. We represent your best interests, not those of the insurance company. Our goal is simple: to secure the highest possible payout for your fire damage insurance claim based on the coverage outlined in your policy.

While your insurance company will assign their own adjuster to your claim, their adjuster’s primary goal is to minimize the settlement or even deny the claim outright. By hiring your own public adjuster through ClaimShield, you can counter the efforts of the insurance company’s adjuster and fight for a fair and adequate settlement.

Our public adjusters have decades of combined experience handling fire damage claims, providing expert knowledge to accurately estimate costs and ensure you receive the highest possible compensation. Here's how a fire insurance adjuster can help:

​

- Expert Fire Damage Claims Assistance from Start to Finish: Most property owners have limited experience with fire damage insurance claims. Insurance companies know this and may try to take advantage of your lack of knowledge. When you hire ClaimShield, you gain expert guidance throughout the entire process.

- Avoid Common Pitfalls: Even one small error could derail your fire damage insurance claim. Our public adjusters know the common tricks insurance companies use to reduce payouts, and we help you avoid these pitfalls.

- Maximize Your Payout: A skilled public adjuster can potentially increase your insurance payout by up to 270% compared to the initial offer from the insurance company. This means more money to help you recover after a devastating fire.

- Hassle-Free Claims: Fire damage claims are stressful. You may need to relocate temporarily, and you may be unfamiliar with the claims process. A ClaimShield public adjuster manages the entire process, relieving you of the burden.

- Competitive & Transparent Fees: We are upfront about our fees, which are based on a flat percentage of your final payout.

- Only Pay If Successful: You won’t pay anything until you accept your final insurance payout. We only get paid when you do.

​

Fire Insurance Claim Examples
Some of the situations where ClaimShield public adjusters can help include:

​

- Commercial Fire Damage Insurance Claims: Fire damage to a business can be devastating, affecting property, inventory, and equipment. ClaimShield fights to ensure your business gets the compensation it deserves for fire damage.

- Total Loss Insurance Claims: If the fire damage exceeds the value of your policy or the cost of repairs surpasses the value of your home, this is considered a total loss claim. Our public adjusters will work hard to ensure every penny is covered under your policy.

- House Fire Damage Claims: ClaimShield helps homeowners maximize their payouts for house fire damage claims, ensuring fair compensation.

- Claims Over $10,000: Our public adjusters typically work on claims valued over $10,000, charging a percentage of the final insurance payout.

 

 

 

The Fire Damage Claim Process
The steps of a typical fire damage claim include:

1. Secure the Scene: Contact emergency services or extinguish smaller fires yourself if safe to do so.
2. Contact Your Insurer: File the claim with your insurer, who will assign a claim number and provide further instructions.
3. Wait for the Adjuster: Your insurance company will send an adjuster to assess the damage and provide an estimate.
4. Hire an Emergency Restoration Crew: Your insurer may recommend hiring an emergency restoration crew, or you can seek quotes from contractors on your own.
5. Document Everything: Take photos and videos of the damage, and keep all receipts for expenses. If you have to relocate, your insurer should cover your accommodation, meals, and other living expenses.
6. Complete the Claim: Once repairs are completed and all damage is documented, your insurer will process the final payout and close the claim.

While this sounds straightforward, many claims encounter obstacles that can jeopardize your settlement. That's why having a public adjuster from ClaimShield is crucial to ensuring your claim stays on track and your payout is maximized.

 

 

 

Schedule A Free Consultation For Help With A Fire Insurance Claim
Hiring a public adjuster isn’t always necessary, but when the situation calls for it, ClaimShield offers free consultations to help you determine whether our services are right for you. 

Our public adjusters have firsthand experience handling fire damage claims for both residential and commercial properties. Whether it's a kitchen fire, wildfire, or a neighboring house fire that caused damage, we can help you get the compensation you deserve.

During your consultation, a public adjuster will:
- Discuss the details of your insurance claim.
- Analyze your fire damage claim and policy to ensure proper coverage.
- Outline the steps we’ll take to maximize your claim settlement.
- Explain our transparent fee structure.

If you choose to work with ClaimShield, we’ll get started immediately to resolve your claim as quickly and successfully as possible.

Talk to a ClaimShield public adjuster today for expert assistance with your fire damage insurance claim.