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Everything You Need To Know About Smoke Damage Claims

Written by admin on February 13, 2023 at 10:52 AM.

Hundreds of thousands of homes experience smoke and fire damage every year. If your property has suffered smoke damage, you can file a claim with your insurance company to cover the costs of repairing or replacing affected items. Filing a smoke damage claim typically involves documenting the damage, providing a detailed list of items affected, and working with an insurance adjuster to determine the amount of coverage you are eligible for. It is essential to understand your policy and coverage limits, as well as the steps involved in the claims process, in order to maximize your chances of successfully recovering your losses.

What Damages Can Smoke, Soot, or Ash Cause On Your Property?

Smoke, soot, and ash can cause a variety of damages to your personal property, including:

  • Surface discoloration: Soot and ash can discolor walls, ceilings, floors, and surfaces, leaving behind unsightly black marks.
  • Structural damage: Smoke can weaken or damage the structure of your property, making it unstable and potentially dangerous.
  • Corrosion: Soot and ash can corrode metal surfaces and electrical components, leading to further damage and safety hazards.
  • Health hazards: Smoke and soot contain chemicals and particles that can be harmful to your health if not properly removed.
  • Content damage: Smoke and soot can penetrate and damage personal property, clothing, furniture, and other contents within your home.
  • Odor: Smoke damage often leaves an unpleasant odor that can be difficult to remove without proper cleaning and deodorization.

It is important to take immediate action to address smoke, soot, and ash damage; the longer you wait, the more extensive and costly the damage can become. Contacting a professional restoration company or public adjuster can help you assess the damage and determine the best course of action.

Will My Insurance Cover Damage From Smoke & Soot?

It depends on your insurance policy. Some standard homeowners insurance policies may include smoke and soot damage coverage, while others may exclude it or provide limited coverage. It is best to check your insurance policy or contact your insurance company to determine the specifics of your coverage. Keep in mind that some insurance policies may have deductibles, limits on coverage, and restrictions on what is considered smoke and soot damage, so it is important to understand the terms and conditions of your policy before filing a claim.

How Do I File A Smoke Damage Claim?

The process of filing a smoke damage insurance claim typically involves the following steps:

  • Contact your insurance company: Call your insurance company to report the damage and initiate the claims process. You will need to provide some basic information about the damage and how it occurred.
  • Document the damage: Take photos or videos of the damage and list the affected items. Keep receipts for any temporary repairs or cleaning expenses.
  • Submit a claim: Submit a written claim to your insurance company that includes documentation of the damage and a detailed list of affected items. Include receipts for temporary repairs, cleaning costs, and any additional expenses.
  • Review and approve: Your insurance company will review your claim and determine the amount of coverage you are eligible for. You can proceed with repairs or replacements if you agree with the amount.
  • Repairs and settlements: Once the repairs are complete, your insurance company should cover the cost of repairs and payout a settlement

Working With An Insurance Adjuster

The insurance provider will assign an insurance adjuster to your claim. It is important to remember that while they are professionals at assessing damages, they are in the insurance company’s pockets, as that is their employer.

Their interests don’t always align with yours. Usually, an insurance adjuster will recommend a lower settlement for property damage, as it is in the insurance company’s best interest.

However, here are a few tricks to dealing with insurance adjusters:

  • Speak clearly and maintain a polite tone but remain sure of everything.
  • Answer their questions to the best of your ability, but understand that you are not legally required to answer anything. If you are not confident in answering questions without compromising your claim, seek the assistance of a public adjuster or experienced lawyer.
  • You don’t want to go into too much detail about your smoke damage insurance claim. Make sure you speak concisely and clearly. You don’t want to offer more information than is requested of you.
  • Take notes of everything discussed between yourself and the adjuster. If you can record the conversation in its entirety, do so.

What To Do if Your Smoke Damage Insurance Claim is Denied

If your insurance company rejects your smoke damage insurance claims, it can be a frustrating experience. Here are some steps to take if this happens:

  • Review the denial: Carefully read the denial letter from your insurance company to understand the reasons for the rejection.
  • Check your policy: Verify your policy’s coverage details to ensure the damage is covered. If you believe the rejection was a mistake, request a copy of the policy from the insurance company.
  • Ask for clarification: If you disagree with the denial, reach out to the insurance company to ask for clarification and provide additional information that may support your claim.
  • Consider an appeal: If the denial is based on a misinterpretation of your policy or new evidence supports your claim, you may be able to appeal the decision. Ask your insurance company for the appeal process and submit a written appeal with the necessary documentation.
  • Consult an attorney: If the insurance company continues to reject your claim, you may seek the advice of an attorney specializing in insurance law.

It is important to remember that the claims process can be complicated and time-consuming. Still, by being prepared and persistent, you may be able to successfully recover your losses.

When To Contact a Public Adjuster For Your Smoke Damage Insurance Claims

If your smoke damage insurance claim has been denied, it can be a confusing and overwhelming experience. A public adjuster can help guide you through the appeals process and represent your best interests in negotiating with the insurance company. They can also help you gather additional evidence to support your claim and negotiate a settlement on your behalf.

Public adjusters are familiar with the claim process and deeply understand insurance policies, coverage, and laws. They work on behalf of policyholders, not insurance companies. They have the experience and expertise to help you recover a fair settlement for your damages. Hiring a public adjuster can increase your chances of a successful claim resolution and reduce the stress and frustration associated with a denied claim.

smoke damage insurance claims

Call Stellar Public Adjusters If You’ve Filed a Smoke Damage Claim

Stellar Public Adjusters is used to dealing with complex claims; we know all the ins and outs of the insurance claims process and are here to help you get what you are owed.

When filing a claim for smoke damage, you should get an assessment from a Public Adjuster, who will advocate on your behalf. You can get a settlement hundreds of times more significant than the paltry sum typically offered by insurance companies.

Contact Stellar Public Adjusters today! We will fight to get you what you deserve!


What Clients Are Saying About Us


Vanessa R.

Friendly staff and work really hard to get what you deserve. I appreciate everything they did for me. Thank you again.

Vanessa R.


HIGHLY recommend Stellar Public Adjusting! Meticulously and professionally handled our claim, and stood by our side throughout the entire process! Thank you!


Philip O.

Worked with Stellar on a project involving a kitchen flood. They were always there to help & answer all the questions I had – and they reached a fair settlement with my insurance for me. I probably wouldn’t have gotten half of what I did without them! I’d easily recommend them to anyone needing a Public Adjuster.

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Glad I hired them. Stellar Public Adjusting assisted in my water damage claim in my condo from my neighbors pipe. They really know there stuff when it comes to claims. They obtained way more than my insurance company initially offered. A very professional company.

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Yossi K., Brooklyn, NY

David has done multiple claims for our real estate company, as well as for myself and friends. Always exceeds expectations. Highly reliable, and completely on top of his game. Highly recommended.

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Marc C., Miami, FL

I have full confidence in the team at Stellar and do not recommend that anyone file an insurance claim without them. The insurance company is not on your side and they are not a good neighbor.

Stellar is on your side and they are in the neighborhood. Call them immediately when damage happens.

Marc C., Miami, FL

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