A fire claim is worth far more than the burn — and that’s exactly where it goes wrong
After a fire, the damage you can see is only part of what your policy owes you. Smoke and soot travel where the flames never reached, the water used to put the fire out causes its own losses, your contents and the cost of a code-compliant rebuild add up quickly, and your policy pays for somewhere to live while your home is unlivable. Insurers know all of this — and they count on the fact that most homeowners don’t. The scope their adjuster writes is often a fraction of what’s actually covered, and by the time you’d realize what was left out, the claim is largely set. That is exactly the gap we close.
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“PUBLIC LOSS ADJUSTERS CAN NEGOTIATE A PAYOUT THAT IS 20% TO 60% HIGHER THAN YOU CAN GET ON YOUR OWN.”
Fire insurance is a property coverage that pays for damages to property and other losses you may suffer from a fire. It can pay for the cost of repairing or replacing damaged property in your home, as well as ancillary costs associated with the loss of use of your home while these repairs are taking place. There are set limits to the amount of fire damage that will be covered, and those limits are detailed in your homeowners policy.
⏰ Underpaid on a past fire claim? Florida law may still give you a window.
If a Florida insurer closed or underpaid a fire claim, Fla. Stat. 627.70132 generally gives you a running window to act — but the clock starts on your date of loss, not the day you discover the shortfall. In most cases that means you may have less time than you think.
Your policy’s own notice terms can be shorter, and every claim is different. Figuring out whether your window is still open — and acting before it closes — is exactly what we handle. Call (352) 353-4556 and we’ll tell you where you stand.
Is My Window Still Open? — Call (352) 353-4556General information about Florida claim deadlines, not legal advice. Statutory windows can vary by claim and policy, and your policy’s prompt-notice terms may be shorter — contact us to confirm your specific deadline.
Talk to us before you settle your fire claim
We inspect the full loss, document what the carrier’s scope leaves out, and negotiate for the payout your policy actually owes — so you’re not fighting the insurance company alone.
Related: insurance claim denied · public adjuster near me · commercial fire damage claims · talk to a licensed public adjuster
Renters can also file a renters insurance claim for smoke and fire damage to their belongings.
Own or manage a commercial property? We also handle commercial fire damage claims.