Smoke Damage Public Adjuster in Florida
Smoke and soot reach rooms the fire never touched. We document residue, odor and damaged belongings throughout the home and handle the claim for you.
- 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!
Smoke Damage Is Easy to Underestimate
Smoke moves through air ducts, wall cavities and closets, leaving soot and odor on surfaces, fabrics and electronics. Even a small kitchen fire can affect the whole home, and a fire in a neighboring unit or home can send smoke into yours.
Northside Adjusters documents where the smoke traveled and what it damaged, and makes sure the claim includes cleaning, sealing, replacement and contents, not just the room where the fire started.
Do not try to wipe heavy soot yourself. It can smear and set into surfaces. Photograph it and let a professional restoration company handle the cleaning.
First Steps After Smoke Damage
- Photograph soot on walls, ceilings, vents and belongings.
- Avoid running the AC until the system has been checked.
- Keep damaged items until they are documented.
- Report the claim, then call us for a free inspection.
Common Causes of Smoke Damage
Smoke damage claims often come with a fire claim, but not always.
Kitchen and House Fires
Smoke from a fire inside your home. See fire damage claims.
Fires Next Door
Smoke from a neighbor's home or a nearby condo unit.
Electrical Fires
Smoldering wiring or devices that fill rooms with smoke.
Appliance Malfunctions
Equipment failures that spread soot through the home.
Soot in the AC System
Soot pulled into the ducts and spread to every room.
Lingering Odor
Smoke odor that stays in drywall, insulation and fabrics.
What Insurers Often Underpay or Deny
Smoke claims are often scoped too narrowly.
Cleaning Only the Fire Room
Rooms that look clean can still hold soot and odor.
Cleaning Instead of Replacing
Some materials and items cannot be fully cleaned and need to be replaced.
HVAC Left Out
Ductwork and air handlers may need cleaning or replacement.
Contents Undervalued
Clothing, furniture, electronics and other items are often missed or priced too low.
Fire and Smoke Damage: What a Public Adjuster Documents
We make sure the whole home is considered, not just the obvious damage.
Documentation
Photos and notes on soot, odor and residue in every room and in the HVAC system.
Policy Review
We explain dwelling, contents and living expense coverage for your loss.
Detailed Estimate
An estimate for cleaning, sealing, painting, replacement and contents.
Negotiation
We present the claim and negotiate the scope and price with the insurer.
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.
Smoke Damage Claims in Southwest and South Florida
Southwest Florida
We handle smoke damage claims for homes and condos in Cape Coral, Fort Myers, Punta Gorda, Naples and across Lee, Collier and Charlotte counties.
South Florida
In multi-unit buildings in Miami-Dade and Broward, smoke from one unit often reaches others. We help owners with claims under their own policies.
Smoke Damage Claim Questions
Does homeowners insurance cover smoke damage?
Smoke damage from a sudden fire is usually covered. Smoke from normal, ongoing use, like a fireplace, usually is not. Your policy wording decides.
Is smoke damage covered if the fire was not in my home?
Often, yes. Smoke from a fire next door or in another unit can be part of a claim under your own policy.
Can smoke odor be part of a claim?
Yes. Odor that remains in materials and contents is part of the damage. Cleaning, sealing or replacement may be needed.
Do I need my air ducts cleaned?
If soot entered the HVAC system, the ducts and equipment may need cleaning or replacement. We include them in the inspection.
How do I document damaged belongings?
Photograph them, list the brand, model and age, and keep them until they are documented. We help you build the inventory.
What does it cost to hire you?
Our inspection is free. Our fee is a percentage of the settlement, capped by Florida law, and only if there is a recovery.
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
Smoke 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.
