Fire Damage Public Adjuster in Florida
A fire can damage your home, your belongings and your daily life all at once. We handle the insurance claim so you can focus on your family.
- Free InspectionNo cost, no obligation.
- Licensed in FloridaFirm License# W807579.
- No recovery, no feeWe get paid only when you get paid.
- English & EspañolHablamos español.
Get Help in 3 Easy Steps!
A Fire Claim Has Many Parts
A fire claim covers more than the burned room. It can include smoke and soot throughout the home, water damage from firefighting, damaged contents, debris removal and the cost of living somewhere else while repairs are made.
Northside Adjusters documents every part of the loss, builds a detailed estimate and contents inventory, and negotiates with your insurer. You have one point of contact while we deal with the insurance company.
Your policy may include additional living expenses (ALE) if you cannot stay in your home. Keep receipts for hotels, meals and other extra costs.
First Steps After a Fire
- Make sure everyone is safe and get the fire report number.
- Do not go back inside until the fire department says it is safe.
- Secure the property and photograph the damage.
- Report the claim, then call us for a free inspection.
Common Causes of House Fires
Fires start in many ways, and fire is a covered cause of loss under most homeowners policies.
Kitchen Fires
Cooking fires that spread to cabinets, walls and ceilings.
Electrical Fires
Faulty wiring, overloaded circuits and failed devices.
Lightning Strikes
Lightning that starts a fire or damages wiring and electronics.
Appliance and Dryer Fires
Dryers, space heaters and other appliances that overheat.
Smoke and Soot Spread
Smoke travels through vents into every room. See smoke damage claims.
Firefighting Water
Water from hoses and sprinklers that soaks floors and walls.
What Insurers Often Underpay or Deny
Fire claims are large, and small gaps add up quickly.
Smoke Damage in Other Rooms
Rooms away from the fire may need cleaning, sealing or replacement that is left out of the estimate.
Contents Undervalued
Long inventories are hard to complete, and items are often missed or priced too low.
Living Expenses Cut Short
ALE may be limited or stopped before the repairs are done.
Lower-Cost Repairs
Estimates may use cleaning where replacement is needed, or skip code upgrades the policy covers.
How a Fire Damage Claims Adjuster on Your Side Helps
We handle the details of a complex claim from start to finish.
Documentation
Photos, measurements and records of the structure, contents and smoke damage.
Policy Review
We explain dwelling, contents, ALE and other coverages and their limits.
Detailed Estimate
A complete repair estimate and a room-by-room contents inventory.
Negotiation
We meet the insurer's adjuster and experts and negotiate every part of the claim.
How Northside Handles Your Claim
The same steps for every claim, explained in more detail on our Claims Process page.
- 1
Call, Text or Send the Form
Call or text 888-888-8591 any time, or use the short form on this page. Tell us what happened and who your insurer is.
- 2
Free Inspection and Policy Review
A licensed adjuster inspects the property at no cost and reads your policy, declarations page and any letters from the insurer.
- 3
Documentation and Estimate
We photograph, measure and record the damage and its cause, then write a detailed repair estimate and contents list.
- 4
We Present and Negotiate
We submit the claim, meet the insurer's adjuster and experts at the property and negotiate the amount owed.
- 5
Settlement and Payment
The insurer pays the agreed amount. Our fee is a percentage of the settlement, capped by Florida law. No recovery, no fee.
Fire Claims in Southwest and South Florida
Southwest Florida
We handle fire claims for homeowners in Cape Coral, Fort Myers, Lehigh Acres, Naples and across Southwest Florida, with in-person inspections.
South Florida
In Miami-Dade and Broward, we help homeowners and condo owners with fire and smoke claims, including fires that start in another unit.
Fire Damage Claim Questions
Does homeowners insurance cover fire damage?
Yes, fire is a covered cause of loss under most homeowners policies. The amount paid depends on your coverage limits, your deductible and how well the loss is documented.
What are additional living expenses?
ALE, sometimes called loss of use, pays for reasonable extra costs if you cannot live in your home during repairs, such as a hotel or rental and added meal costs.
Do I need a full list of everything that was damaged?
Yes, contents claims are usually paid from an itemized list. We help you build it room by room so items are not missed.
What if the insurer only pays to clean smoke damage?
Some materials can be cleaned and others cannot. We document what needs replacement and why.
Can I choose my own contractor?
In most cases, yes. Check your policy for any managed repair program, and get detailed written estimates.
What does a public adjuster cost for a fire claim?
The inspection is free. Our fee is a percentage of the settlement, capped by Florida law. No recovery, no fee.
General information only, not legal advice. Your policy and Florida law govern your claim. Florida law and your policy set deadlines for claims and supplemental claims (section 627.70132). More answers on our FAQ page.
Other Damage We Handle
One loss often involves more than one type of damage. See every service on our Residential claims page.
All Residential Claims Our claims process Claim FAQ Denied or Underpaid Claims Public Adjuster Fees
Fire Damage? Get a Free Inspection.
Talk to a licensed public adjuster today. The inspection is free, and if there is no recovery, there is no fee.
