Fire & Smoke Damage Claims
Fire damage doesn’t end when the flames are out—smoke, soot, and hidden structural issues continue to pose serious risks. At Valor Claims Solutions, we help property owners recover from fire and smoke losses with detailed documentation, expert evaluation, and aggressive claim negotiation.
What Fire & Smoke Damage Really Looks Like
Beyond the visible charring or structural loss, fire damage spreads through smoke infiltration, soot contamination, and extreme heat distortion. It can destroy electrical systems, warp framing, and leave toxic residue throughout the property. Smoke can travel far beyond the source, affecting insulation, ductwork, contents, and air quality—even in rooms untouched by flames.
Why Fire & Smoke Claims are Often Underpaid
Carriers often focus on surface-level damage, overlooking smoke infiltration, odor remediation, and code upgrades. Many fire claims are undervalued because the scope fails to include all impacted systems, structural elements, and contents.
Smoke and Soot Damage Minimized
Insurers may ignore widespread smoke damage in unaffected rooms or claim it can be wiped clean, when professional remediation is actually required to remove odors and toxins.
Contents Underestimated or Omitted
Furniture, electronics, clothing, and personal property are often undervalued or excluded—even if they’re smoke-damaged, water-damaged from firefighting efforts, or unsalvageable.
Structural Heat Damage Overlooked
Carriers often miss or downplay heat-related warping of framing, trusses, and critical components that compromise the safety and rebuild value of the property.
Code Upgrades Not Included
Many fire claims ignore local code upgrade requirements that must be met during reconstruction, leaving policyholders with out-of-pocket costs they shouldn’t have to bear.
Our Fire & Smoke Claim Process
Our fire and smoke claim process is thorough, strategic, and built to capture the full extent of damage—both seen and unseen. From structural loss to smoke infiltration and code upgrades, we document everything to ensure you receive a complete and fair settlement.
comprehensive damage inspection
We assess not only the visible fire damage but also the smoke, heat, and water impacts throughout the structure and contents.
Full Scope & Inventory Documentation
We develop a line-by-line estimate, complete with structural repairs, content losses, code upgrade requirements, and odor remediation needs.
Carrier Negotiation & Advocacy
We present and defend the full claim package to your carrier, challenging underpayments and omissions to maximize recovery.
Settlement & Support
We assist with contractor communication, final paperwork, and post-settlement guidance to ensure your recovery is complete and compliant.
Insurance Claim Going Up in Smoke?
The flames may be out, but the damage isn’t done. Smoke, heat, and structural impact can linger for months—don’t settle for a partial payout.