The Fire Was Only the Beginning
After the fire was out, Chris thought the worst was over.
But when he called the insurance company, they focused only on the obvious: the burned wall in the kitchen.
What they didn’t mention?
- The smoke damage in the attic
- The ruined appliances from heat exposure
- The week his family spent in a hotel
The insurer’s first offer? $14,000.
The real cost of repairs and living expenses? Over $60,000.
This is more common than you think.
The Real Cost of Fire Damage
Fire doesn’t just burn. It spreads smoke, soot, and heat throughout the house.
What insurers often skip in their estimates:
- Smoke infiltration in ducts and insulation
- Melted wiring or electrical components
- Damage behind walls not visible to the eye
- Furniture, clothing, appliances affected by toxic residue
- Relocation and cleanup expenses
These are real costs. But many insurance policies only pay them if you ask — and prove they exist.
Why Fire Claims Are Underpaid So Often
- Insurers use basic estimators that miss layered damage
- “Preferred vendors” may skip deeper inspections to keep costs down
- You may not know what your policy covers fully — and they won’t help you interpret it
Without someone on your side, you’ll get a surface-level settlement for a deep, widespread loss.
What I Do in Fire Damage Cases
I help homeowners:
- Document and detect damage beyond the surface
- Decode the full scope of policy entitlements (including ALE – Additional Living Expenses)
- Bring in fire remediation specialists
- Challenge and expand initial damage estimates
- Negotiate a settlement that reflects reality, not shortcuts
You Deserve to Rebuild — Fully
Fire survivors have already lost enough.
Don’t lose your financial footing, too.
Let me review your case, for free, and tell you what your claim might really be worth.
