Fire / Smoke Damage
Fire and smoke damage can leave lasting effects on your home or business, from structural destruction to hidden smoke residue and odor. Hunter Claims carefully documents every detail of your loss and negotiates with your insurance provider to secure the full settlement you need for complete restoration.
Get Help with your Fire or Smoke Damage Claim from Experienced Public Adjusters
Submitting a fire- or smoke-damage insurance claim can be confusing and frustrating because of all the options, jargon and decisions. Hunter Claims’ public adjusters are here to make the process simpler and easier for you. We ensure you’re getting the most money in your claim settlement as you can and that process moves along in a timely fashion so you can rebuild.
Our public adjusters and property damage appraisers are experienced with the fire insurance claims process and know the best and fastest way to get to your settlement. Don’t let your insurance company drag you along for months and pay you less than you’re due. We’ll give you a breath of fresh air.
The Hidden Aftermath of Fire & Smoke
Fires may be extinguished quickly, but their damage lingers charred structures, pervasive smoke, and toxic residue. These images show the lasting impact of fire and smoke disasters and highlight why expert representation from Hunter Claims is vital to achieving a fair settlement for your recovery.
Tips For Submitting Fire or Smoke Damage Insurance Claims
Insurance companies may delay or undervalue your claim, so it’s important to stay prepared. Follow these tips to keep your claim on-track if you’re not quite ready to hire a public adjuster to help with your claim:
What Happens When You Submit A Fire or Smoke Damage Insurance Claim
Your coverage provider will send out an insurance adjuster to inspect your property, review the damage, and ask questions about the damage and condition of the property before the flood occurred. The adjuster will be working behind-the-scenes to determine if you are covered under your flood insurance. They may need to access your property or wait until it is safe for them do so.
After that, your insurance company may issue a settlement based on how they interpret the damages, but remember, the adjuster will be working on behalf of the Insurance company.
If you are receiving resistance from your insurance company in the form of delays, undervalued responses, or even a denial, contact our experienced adjusters at hunterclaims.com
Don’t Let Insurance Companies Undervalue Your Loss
Let Hunter Claims fight for your maximum hurricane settlement.
Frequently Asked Questions
When should I contact a public adjuster for my fire or smoke damage claim?
You should reach out as soon as you’re ready to file your claim. A public adjuster can guide you from the start, but it’s especially important if you receive a Reservation of Rights letter, are asked to complete a Proof of Loss, or if your claim is flagged as suspicious or under investigation.
Insurance adjusters work for the insurance company, not you. They may undervalue your losses, delay settlement, or look for reasons to deny your claim. That’s why having an experienced public adjuster ensures your damages are properly documented and negotiated for a fair payout.
Key documents include a certified copy of your insurance policy, the fire marshal’s report, an inventory list of damaged property with details (age, cost, brand, etc.), and estimates from third-party vendors for repairs or replacements.
Yes. Even if your claim was undervalued, delayed, or denied, Hunter Claims can step in to review your policy, document damages, and negotiate directly with your insurance company for the settlement you deserve.
Many rush into decisions under pressure from insurance or restoration companies. It’s important to take your time, document everything, and seek professional help before signing or agreeing to anything.
FREE Damage
Evaluation
Call us for a FREE claim inspection: 813-774-7634
We also provide pre-loss and disaster planning for commercial properties, HOAs, and contractors across Florida.

Email: inquiries@hunterclaims.com