Fire damage claims are among the most frequently underpaid property insurance claims. Structure fires, electrical fires, kitchen fires, and wildfire exposure all create layered losses across multiple coverage categories: structural damage, contents, smoke contamination, additional living expenses, debris removal, and code upgrades.
These claims are often undervalued because the full scope of damage isn’t captured in initial assessments. Heat and smoke compromise building systems, HVAC, electrical, and structural elements in ways that aren’t visible without thorough, independent inspection. Contents inventories get rushed. Code upgrade coverages go unclaimed. Smoke contamination beyond the visible burn area gets overlooked.
If your fire claim has been underpaid, delayed, denied, or you’re not confident it’s being handled properly — that’s exactly what we do. We represent property owners in fire damage insurance disputes and manage every aspect of the claim so you can focus on recovery.
We are public adjusters — licensed insurance professionals who work exclusively for property owners, never for insurance companies. We review your policy, document your loss independently, and negotiate directly with your insurer on your behalf.
We represent homeowners, commercial property owners, and real estate investors dealing with fire damage insurance disputes across Oklahoma, North Carolina, and South Carolina.
Underpaid structural estimates, rushed contents inventories, missed code upgrade coverage, dismissed smoke contamination, and additional living expense disputes. We document the full scope of your fire loss and negotiate for a settlement that actually covers restoration.
Business income losses, tenant displacement, equipment and inventory damage, code compliance requirements, and multi-tenant coordination. We manage the complexity of commercial fire claims so your operations can get back on track.
Lost rental income, tenant relocation costs, restoration scope that protects property value, portfolio-level claim coordination, and coverage analysis for investor-specific policy structures. We handle fire claims with the financial precision investment properties require.
Understanding how StormPro Public Adjusters helps policyholders like you with property insurance claims.
The adjuster your insurance company sent works for them — not for you. Their job is to assess the claim on behalf of the insurer.
A public adjuster is independently licensed to represent you, the property owner. We conduct our own inspection, prepare our own documentation, and negotiate your settlement with your claim’s unique needs as our priority.
Fires that appear contained often cause smoke and heat damage well beyond the visible burn area. HVAC systems, adjacent rooms, attic spaces, wall cavities, and contents throughout the home can all be affected.
If your initial claim estimate only accounts for damage in the room where the fire occurred, there may be significantly more coverage available under your policy.
In some cases, settled claims can be reopened — particularly if additional damage has been discovered, if coverages like code upgrades or debris removal weren’t included, or if the original settlement was based on an incomplete assessment of your loss. Contact us to discuss the specifics of your situation.
Yes. Wildfire claims involve unique challenges including evacuation-related expenses, landscape and hardscape damage, smoke exposure to structures that weren’t directly burned, and situations involving multiple insurance carriers.
We have experience navigating all of these.
We work on a contingency fee basis — a percentage of your claim settlement. There are no upfront costs for our claims adjustment services.
Our fee structure is discussed during your initial consultation and clearly outlined in our agreement before you commit to anything.
Whether you have a new loss, a claim that needs help, or simply want to understand your options — we’re here to answer your questions. Fill out our claim review form, or reach out directly. No obligation. No pressure.
