Claim consulting
Fire & Smoke Damage Claims
Fire and smoke claims documented to the actual scope of loss — structure, contents, and protocol.
Fire claims are three claims in one: structure, contents, and additional living expense. Smoke and soot protocol is regularly under-scoped, and contents inventories are routinely depreciated past what the policy allows. We rebuild the scope across all three, document the protocol, and tie everything back to the policy.
Common signs the file needs a second look
- Smoke/soot scope limited to surface cleaning when full protocol is required
- Contents inventory missing rooms, depreciated aggressively, or undervalued
- ALE benefits cut short or undercalculated
- Code upgrades for fire-rated assemblies excluded
- Demo and odor remediation underscoped
How we work the file
- Step 1
Scope & protocol review
Structure, smoke protocol, and contents reconciled against industry standards (IICRC, manufacturer guidance) and the policy.
- Step 2
Inventory & ALE
Contents inventory and ALE worksheet built or audited to capture what the policy actually owes.
- Step 3
Supplement & negotiation support
Written supplement with pricing support; coaching for the contractor or owner through carrier pushback.
Services typically engaged on these files
Same workflow, billed under the relevant service line.
- Estimate & Scope Review$250/hr
Detailed review of carrier estimates and scope of repair to identify missed line items, pricing discrepancies, and documentation gaps.
- Denied or Underpaid Claim Review$300/hr
Focused review of a denied, partially denied, or underpaid claim — coverage analysis, scope and valuation gaps, and a written roadmap for re-opening, supplementing, or escalating the file.
- Policy Consultation$300/hr
Coverage analysis and policy interpretation to clarify obligations, exclusions, endorsements, and how the policy applies to a specific loss.
- Supplement Strategy Consulting$250/hr
Strategic guidance on building, supporting, and submitting supplements to maximize a fair and complete claim outcome.
FAQ
- Do you handle contents inventories?
- We audit and consult on contents — full inventory production is typically handled by a specialist firm we can coordinate with.
- Can you support a denied fire claim?
- Yes — see Denied or Underpaid Claim Review on the services page.
Ready to have the file reviewed?
Book a consultation or contact us with the details of your loss.