Fire Damage Insurance Claims
Fire Damage Insurance Claims
Professional Representation for Smoke, Soot, and Fire Loss Disputes
Fire damage affects not only what burns, but also smoke infiltration, soot residue, and water damage from firefighting efforts. Licensed public adjusters documenting fire losses and managing insurance claims for Tennessee property owners.
Property Types We Serve
We handle fire claims for homeowners, commercial properties, townhomes and HOAs, multi-family buildings, and houses of worship throughout Tennessee.
Common Fire Claim Issues
Fire damage extends far beyond what burns. Smoke infiltrates rooms untouched by flames. Water from firefighting soaks into structures. Heat compromises building integrity.
Claims involve smoke and soot remediation, water damage from firefighting, temporary housing costs, business income loss, mandatory code upgrades, contents replacement, structural assessments, and disputes over whether buildings are repairable or total losses.
Why Fire Claims Are Complex
Fire creates multiple damage types simultaneously—direct fire damage, smoke infiltration, water from firefighting, and heat exposure to structural components. Each requires documentation. Insurance policies address these differently. Disputes arise over scope, valuation, and coverage provisions.
What These Claims Need
Comprehensive documentation of all damage types. Accurate contents valuation. Understanding of code compliance requirements. Professional assessment of structural integrity. Coordination between property owners, restoration contractors, and insurance companies.
How We Help
We inspect your property, document all damage types, review your policy coverage, and represent you throughout the claims process. Professional claim management from initial loss through settlement.
Property Types We Serve
We handle fire claims for homeowners, commercial properties, townhomes and HOAs, multi-family buildings, and houses of worship throughout Tennessee.
Common Fire Claim Issues
Fire damage extends far beyond what burns. Smoke infiltrates rooms untouched by flames. Water from firefighting soaks into structures. Heat compromises building integrity.
Claims involve smoke and soot remediation, water damage from firefighting, temporary housing costs, business income loss, mandatory code upgrades, contents replacement, structural assessments, and disputes over whether buildings are repairable or total losses.
Why Fire Claims Are Complex
Fire creates multiple damage types simultaneously—direct fire damage, smoke infiltration, water from firefighting, and heat exposure to structural components. Each requires documentation. Insurance policies address these differently. Disputes arise over scope, valuation, and coverage provisions.
What These Claims Need
Comprehensive documentation of all damage types. Accurate contents valuation. Understanding of code compliance requirements. Professional assessment of structural integrity. Coordination between property owners, restoration contractors, and insurance companies.
How We Help
We inspect your property, document all damage types, review your policy coverage, and represent you throughout the claims process. Professional claim management from initial loss through settlement.
Property Types We Serve
We handle fire claims for homeowners, commercial properties, townhomes and HOAs, multi-family buildings, and houses of worship throughout Tennessee.
Common Fire Claim Issues
Fire damage extends far beyond what burns. Smoke infiltrates rooms untouched by flames. Water from firefighting soaks into structures. Heat compromises building integrity.
Claims involve smoke and soot remediation, water damage from firefighting, temporary housing costs, business income loss, mandatory code upgrades, contents replacement, structural assessments, and disputes over whether buildings are repairable or total losses.
Why Fire Claims Are Complex
Fire creates multiple damage types simultaneously—direct fire damage, smoke infiltration, water from firefighting, and heat exposure to structural components. Each requires documentation. Insurance policies address these differently. Disputes arise over scope, valuation, and coverage provisions.
What These Claims Need
Comprehensive documentation of all damage types. Accurate contents valuation. Understanding of code compliance requirements. Professional assessment of structural integrity. Coordination between property owners, restoration contractors, and insurance companies.
How We Help
We inspect your property, document all damage types, review your policy coverage, and represent you throughout the claims process. Professional claim management from initial loss through settlement.
Frequenly asked questions
Frequenly asked questions
Frequenly asked questions
How soon after a fire should I contact a public adjuster?
We recommend sooner, rather than later. Fire damage documentation and mitigation should happen quickly, and understanding your policy provisions early helps with decisions about repairs and mitigation.
Does my insurance cover smoke damage in rooms that didn't burn?
Typically yes, if smoke infiltration resulted from a covered fire. Smoke damage often extends far beyond the fire source and requires professional cleaning or replacement.
What if I need to live somewhere else during repairs?
Most homeowner policies include Additional Living Expenses (ALE) coverage. This pays for temporary housing and increased living costs during repairs. Document all expenses.
Will my insurance pay for code upgrades required during rebuilding?
This depends on your policy. Some policies include ordinance and law coverage for code upgrades. Review your policy or contact us for clarification.
Can I choose my own restoration company?
Yes. You're not required to use contractors suggested by your insurance company. You can select qualified contractors of your choice.
How soon after a fire should I contact a public adjuster?
We recommend sooner, rather than later. Fire damage documentation and mitigation should happen quickly, and understanding your policy provisions early helps with decisions about repairs and mitigation.
Does my insurance cover smoke damage in rooms that didn't burn?
Typically yes, if smoke infiltration resulted from a covered fire. Smoke damage often extends far beyond the fire source and requires professional cleaning or replacement.
What if I need to live somewhere else during repairs?
Most homeowner policies include Additional Living Expenses (ALE) coverage. This pays for temporary housing and increased living costs during repairs. Document all expenses.
Will my insurance pay for code upgrades required during rebuilding?
This depends on your policy. Some policies include ordinance and law coverage for code upgrades. Review your policy or contact us for clarification.
Can I choose my own restoration company?
Yes. You're not required to use contractors suggested by your insurance company. You can select qualified contractors of your choice.
How soon after a fire should I contact a public adjuster?
We recommend sooner, rather than later. Fire damage documentation and mitigation should happen quickly, and understanding your policy provisions early helps with decisions about repairs and mitigation.
Does my insurance cover smoke damage in rooms that didn't burn?
Typically yes, if smoke infiltration resulted from a covered fire. Smoke damage often extends far beyond the fire source and requires professional cleaning or replacement.
What if I need to live somewhere else during repairs?
Most homeowner policies include Additional Living Expenses (ALE) coverage. This pays for temporary housing and increased living costs during repairs. Document all expenses.
Will my insurance pay for code upgrades required during rebuilding?
This depends on your policy. Some policies include ordinance and law coverage for code upgrades. Review your policy or contact us for clarification.
Can I choose my own restoration company?
Yes. You're not required to use contractors suggested by your insurance company. You can select qualified contractors of your choice.
Ready for claim resolution?
Property insurance claims require documentation, policy knowledge, and attention to deadlines. If you're dealing with property damage and need professional representation, we're here to help.
Ready for claim resolution?
Property insurance claims require documentation, policy knowledge, and attention to deadlines. If you're dealing with property damage and need professional representation, we're here to help.
Ready for claim resolution?
Property insurance claims require documentation, policy knowledge, and attention to deadlines. If you're dealing with property damage and need professional representation, we're here to help.
All Claim Types
All Claim Types
All Claim Types
Sometimes the hardest part is reaching out — but once you do, you'll be on the path to claim resolution.
Licenses
TN Lic. #3003951224
Phone
Office Hours
Mon to Fri: 9am to 5pm CT
Sat & Sun: Closed
© Copyright The Hawkins Group LLC, All Right Reserved
Website designed by Kuva Media™
Sometimes the hardest part is reaching out — but once you do, you'll be on the path to claim resolution.
Licenses
TN Lic. #3003951224
Phone
Office Hours
Mon to Fri: 9am to 5pm CT
Sat & Sun: Closed
© Copyright The Hawkins Group LLC, All Right Reserved
Website designed by Kuva Media™
Sometimes the hardest part is reaching out — but once you do, you'll be on the path to claim resolution.
Licenses
TN Lic. #3003951224
Phone
Office Hours
Mon to Fri: 9am to 5pm CT
Sat & Sun: Closed
© Copyright The Hawkins Group LLC, All Right Reserved
Website designed by Kuva Media™