Fire Damage Insurance Claim Help | Maximize Your Recovery with Panther Public Adjusting
Mendy is not only professional but extremely knowledgeable in what he does. He is always looking for ways to help his clients obtain the best results. I highly recommend Mendy if your looking for a public adjuster.
Struggling with a Fire Damage Insurance Claim? We’re Here to Help.
A house fire doesn’t just destroy property—it upends lives. Whether you’re in Florida, Massachusetts, New York, or anywhere along the East Coast, navigating a fire damage insurance claim can be overwhelming.
Insurance companies often delay, underpay, or dispute claims—especially those involving smoke, soot, and structural repairs. That’s where Panther Public Adjusting comes in. We represent policyholders from start to finish, fighting for the full payout you deserve.
What Your Insurance Policy Should Cover After a Fire
Most homeowners’ policies include coverage for:
Structural fire damage (walls, framing, roofing, etc.)
Smoke and soot contamination (including HVAC, insulation, and contents)
Water damage from firefighting efforts
Odor remediation and cleaning
Lost contents – furniture, electronics, clothing, and appliances
Temporary living expenses – hotels, rentals, food, and travel
However, getting paid for all of it is far from guaranteed. Carriers often:
Downplay the scope of smoke damage
Undervalue personal contents
Delay payments or demand endless documentation
Blame “pre-existing conditions” or cosmetic damage
Why Fire Damage Claims Are Often Denied or Underpaid
Even when coverage seems clear, these common tactics work against policyholders:
Denial based on “pre-existing damage”
Refusal to recognize smoke or odor damage as serious
Disputes over cause/origin
Delays in mitigation that insurers use to reduce liability
At Panther PA, we document every detail, ensuring your fire damage insurance claim accounts for all physical, environmental, and financial impacts.
What Is an Examination Under Oath? Know Your Rights & Protect Your Claim
Region-Specific Fire Damage Claim Challenges
Florida:
High humidity + delayed mitigation = extensive mold/smoke damage. We often see denials for long-term odor and cleanup costs.
New York & New Jersey:
Row homes and brownstones lead to complex multi-unit claims. We ensure full apportionment of damage across properties.
Massachusetts, Rhode Island, Connecticut:
Older homes with plaster walls and old wiring suffer deep, underestimated structural damage. We push for full cleanup and repair.
Vermont, New Hampshire, Maine:
Wood stove and space heater fires lead to blame-shifting. We counter insurer arguments with strong documentation and expert reporting.
How Panther PA Maximizes Your Fire & Smoke Claim
1. Immediate Response & Full Damage Documentation
We arrive quickly to document everything: structure, contents, smoke spread, and hidden damage.
2. Advanced Damage Analysis
We help with HVAC smoke testing, soot tracking, structural inspections, and odor evaluation.
3. Contents Recovery & Loss of Use Documentation
Our team walks you room-by-room to reconstruct lost contents. We ensure living expense coverage is maximized.
4. Policy Review & Aggressive Negotiation
We identify hidden coverage, enforce deadlines, and challenge undervalued estimates.
5. Multi-State Representation
We serve clients throughout:
FL, NY, NJ, MA, RI, CT, VT, NH, ME, NC, SC, TX
Fire Claim Success Stories
🏠 Parrish, FL:
Within 60 days, Panther PA secured policy limits across all coverages for a homeowner who called us while the fire was still smoldering.
🏢 Queens, NY:
After an electrical fire gutted a condo, we recovered over $100,000 in additional funds, including full code upgrades under Ordinance & Law.
🪑 Wimauma, FL:
A renter’s initial contents list totaled $12,000. After calling Panther, we recovered $40,000 through detailed inventory reconstruction.
Don’t Navigate Your Fire Damage Insurance Claim Alone
Insurers are incentivized to pay less. We’re incentivized to fight for more. From the moment you call us, Panther Public Adjusting brings:
Expert-level building knowledge
Deep policy interpretation
Fire and smoke claim strategy
Forensic inspection and documentation
Get a Free Fire Claim Review Today
📧 Email: Claims@PantherPA.com
📞 Call: 833-726-8437
📝 Start a Free Claim Review »
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FAQs About Fire and Smoke Claims
Do I need a public adjuster for a fire claim?
Absolutely. Fire claims are complex, and your insurer won’t point out everything you’re owed. We will.
Can smoke damage be worse than the fire itself?
Yes. Smoke can travel through vents, insulation, and wall cavities, affecting parts of the home that weren’t visibly burned.
Will my insurer pay for hotel stays after a fire?
Usually yes, under Loss of Use. We ensure it’s included — and extended if needed.
What if the cause of fire is disputed?
We will work with forensic experts to establish cause and eliminate insurer excuses.
How do I prove contents that were destroyed?
We help recreate inventory, use receipts, photos, and even purchase history to recover full value.