Common Problems Homeowners Face After a Fire
Add a Title
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Insurance company undervaluing your damage
Fire damage often goes beyond what's immediately visible. Smoke and soot can travel through walls and HVAC systems, causing damage throughout your home. Insurance adjusters may miss or minimize these hidden damages.
Add a Title
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Claim delays while you need to rebuild
After a fire, you need to act quickly—but insurance companies often drag their feet. Delayed payments mean delayed repairs, leaving you in limbo during an already stressful time.
Disputes over the cause or extent of damage
Insurance companies may try to attribute damage to pre-existing conditions or maintenance issues rather than the fire itself. They may also dispute which items are covered under your policy.
Disputes over the cause or extent of damage
Insurance companies may try to attribute damage to pre-existing conditions or maintenance issues rather than the fire itself. They may also dispute which items are covered under your policy.
Add a Title
Add paragraph text. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Pressure to accept a quick, low settlement
Insurers know you're in a vulnerable position after a fire. They may offer a fast settlement that sounds good but doesn't actually cover your full losses.
How Naiche Helps With Fire Claims
Fire damage claims are complex. Beyond the obvious structural damage, there's often hidden smoke damage, soot contamination, and water damage from firefighting efforts. Insurance companies frequently underestimate these costs. Here's how we help:
Prepare detailed estimates and documentation that support the full value of your claim
Handle all communication with your insurance company so you don't have to
Review your policy to understand exactly what's covered and what you're entitled to
Negotiate aggressively to ensure you receive a fair settlement
Advise you on temporary housing, emergency repairs, and other immediate needs
Conduct a thorough inspection to document all fire, smoke, and water damage—including hidden damage
Our Process for Fire Damage Claims
1
Free Consultation & Policy Review
We'll discuss your situation, review your policy, and explain your options at no cost.
2
Comprehensive Damage Inspection
Our experts inspect your property to document all fire, smoke, soot, and water damage.
3
Claim Preparation & Submission
We prepare a detailed claim package with estimates, photos, and supporting documentation.
4
Negotiation & Settlement
We negotiate with your insurer to maximize your settlement and resolve your claim.
Frequently Asked Questions About Fire Claims
Will hiring a public adjuster delay my fire claim?
Not typically. In fact, we often speed up the process by submitting comprehensive, well-documented claims that leave less room for disputes. We handle the back-and-forth with your insurer so you don't have to, and we push for timely responses.
Is fire damage typically underpaid by insurance companies?
Unfortunately, yes. Fire claims are complex because damage extends beyond the obvious—smoke travels through walls, soot settles in hidden areas, and water from firefighting causes additional damage. Insurers often underestimate these hidden damages, which is why having an advocate is so important.
What if my insurance company already gave me an estimate?
Insurance company estimates often undervalue fire damage, especially hidden smoke and soot damage. We can review their estimate, conduct our own inspection, and determine if you're being offered a fair settlement. If not, we'll negotiate for more.
Should I file my fire insurance claim myself first?
You can, but involving a public adjuster early often leads to better outcomes. Once you file, the clock starts ticking. Insurance companies may pressure you to accept quick settlements or make recorded statements that could hurt your claim. Having an advocate from the start helps protect your interests.
Does homeowners insurance cover smoke damage without visible fire?
It depends on your policy and the source of the smoke. Smoke damage from a fire on your property is typically covered. Smoke from neighboring fires may also be covered. We can review your specific policy to help you understand your coverage.
Can I hire a public adjuster after my claim has already started?
Absolutely. Many homeowners come to us after they've received a disappointing estimate or had their claim denied. We can step in at any point in the process to advocate for you—though earlier is generally better.
How much does a public adjuster cost for fire damage claims?
We work on a contingency fee basis, meaning we only get paid when you receive your settlement. Our fee is a percentage of your settlement—you pay nothing upfront. This means we're motivated to maximize your claim because our success depends on yours.
What should I do immediately after a house fire?
First, ensure everyone is safe and contact emergency services if needed. Once it's safe, document the damage with photos and video before cleanup begins. Don't throw anything away—even damaged items may be needed for your claim. Contact your insurance company to report the loss, and consider calling a public adjuster before agreeing to anything.
Licensed Public Adjusters
Serving 7 States
Policyholder Advocates Only