Fire & smoke
Fire & Smoke
Fire claims involve both visible structural loss and far less visible smoke and soot contamination that often extends through the entire structure.
Florida first-party claim
What's typically covered
- Structural damage from flames and firefighting efforts
- Smoke and soot contamination throughout the property
- Contents damage and total loss
- Additional living expenses during reconstruction
- Specialized cleaning and odor remediation
What carriers commonly underpay
- Smoke contamination assessed only in the burn area
- Contents inventories valued at depreciated, not replacement, cost
- HVAC system contamination not addressed
- Odor remediation reduced to surface cleaning
- Reconstruction priced below current Florida labor rates
What we do differently
- Retain industrial hygienists for smoke and soot assessment
- Build a detailed contents inventory with replacement values
- Test HVAC systems and document contamination
- Coordinate with reconstruction contractors on current pricing
- Track ALE costs in real time to avoid reimbursement disputes
Signs of damage to look for
- Visible soot or smoke staining
- Persistent odor that returns after cleaning
- Yellowing of plastics and electronics
- HVAC discharge of soot or smell
- Damaged contents in adjacent rooms
If any of the above describes your situation, request a free claim review. We'll evaluate your policy and the loss before you make any decision.
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