Fire Claims Recovery - Increase Your Fire Insurance Claim Payout With Licensed Public Adjusters

Austin, Texas residence with extensive fire damage visible at the rear exterior, typical of a homeowner insurance claim.

Fire Insurance Claim Assistance

We represent policyholders and manage both structure and personal property to maximize your settlement.

Licensed Public Adjusters | Serving Texas & New York

Speak With an Adjuster

Insurance companies have adjusters. Now you do too.

We inspect the damage, build the estimate, and fight for the settlement you deserve.

Interior of a Texas home with severe fire damage, burned staircase, and destroyed living room, showing structural loss typical in insurance claims.

Structure Estimates

We document everything with 360° camera, estimate in Xactimate, and submit to insurance

Personal Property

We do room-by-room inventory, total loss estimates, and full pack-out estimates.

Couple checking in at a hotel with luggage as temporary housing for an insurance ALE claim after a home fire.

ALE

We secure temporary housing immediately (hotel/apartment) and ensure insurance covers it.

Our proven 4 steps process

Document the Loss

We inspect the property, take 360° photos, create a virtual tour, record all structural and contents damage, and take precise measurements.

Estimate the Claim

We prepare a full structural estimate in Xactimate and a room-by-room personal property inventory & valuation, supported by evidence and policy language.

Negotiate with the Insurance Company

We submit all documentation, justify pricing, respond to carrier requests, and negotiate the claim on your behalf — for both structure and contents.

Get Paid & Recover

Once settlement is reached, the insured receives the funds needed to rebuild, replace, and move forward.

File Claim

Fire & Smoke Damage Settlement Examples

These are some of the fire and smoke damage insurance claims we have successfully settled:

Damaged home after a fire with debris under a clear blue sky in Austin, Texas.

Location: Austin, Texas (2024)

Cause of Loss: Fire Damage

Carrier’s Initial Offer: $142,653

Final Settlement: $299,999 (Policy Limits)

Exterior of a Brooklyn home affected by a kitchen fire, showing smoke damage and fire impact from the outside.

Location: Brooklyn, New York (2025)

Cause of Loss: Fire Damage

Carrier’s Initial Offer: $187,986

Final Settlement: $647,920

Brooklyn, New York

Smoke Damage

Initial Offer: $16,890

Final Settlement:

$118,980

Exterior of a Houston home that experienced a recent house fire, shown without visible smoke or structural damage.

Houston, Texas, 2025

Fire & Smoke Damage

Initial Offer: $74,456

Final Settlement:

$169,687 (Structure) + $97,522 (Contents)

Exterior of a New York home that experienced a recent kitchen fire, shown without visible smoke or structural damage.

Austin, Texas

(Fire Damage)

Initial Offer: $163,366

Final Settlement:

$498,398

Exterior of an Austin, Texas home that recently experienced a house fire, shown without visible exterior damage.

White Plains, New York

Smoke Damage

Initial Settlement:

$36,102

Final Settlement:

$132,861

Our Blog

Managing Fire Damage Insurance Claims Effectively: Your Guide to the Fire Damage Claim Process

Experiencing a fire in your home is overwhelming. The damage to your property and the emotional toll can leave you feeling lost. One of the most important steps to recovery is managing your fire damage insurance claim effectively. Knowing how to navigate the fire damage claim process can make a significant difference in the settlement you receive and how quickly you can rebuild your life. In this guide, I will walk you through practical steps, explain what to expect, and shar

4 days ago

Wood-burning fireplace in a home during cold weather, showing increased fire hazard from sparks and creosote buildup

Winter Storm Safety Tips to Prevent Home Fires

Safety Tips to prevent home fires

5 days ago

Essential Home Fire Claim Steps: A Guide to Filing Your Home Fire Insurance Claim

Experiencing a fire in your home is overwhelming. The damage, the loss, and the uncertainty can leave you feeling lost. But when it comes to recovering, knowing the right steps to file your home fire insurance claim can make a huge difference. I want to walk you through this process with clear, practical advice so you can focus on rebuilding your life without unnecessary stress. Understanding the Home Fire Claim Steps When a fire damages your home, the first thing you need to

Jan 19

Interior room damaged by fire with debris and destroyed furniture visible.