How to Navigate a Fire Damage Insurance Claim

Fire damage insurance claims are among the most complex and highest-value claims a homeowner can file. The process can take months, involves multiple parties, and has many opportunities for underpayment if not handled correctly.

Immediate Documentation

Before anything is cleaned, moved, or discarded, document everything. Walk through with your phone recording video, take photos from multiple angles, and create a written inventory of damaged items with approximate values. This initial documentation is your strongest evidence.

Understanding Your Coverage

Most homeowner's policies include several relevant coverages: Dwelling coverage (structural repairs), Personal property coverage (contents), Additional Living Expenses (temporary housing), and Loss of use. Understanding each helps ensure you receive full compensation.

Working With the Adjuster

The insurance adjuster works for the insurance company, not for you. Be cooperative but thorough. Have your restoration company present during inspections to ensure hidden damage (inside walls, HVAC systems, subfloor) is identified and documented.

Common Pitfalls

How AST Supports Your Claim

AST creates insurance-grade documentation including photo evidence, moisture/soot readings, itemized content inventories, and estimates using Xactimate (the industry-standard estimating software). We communicate directly with your adjuster and can supplement claims when initial estimates are insufficient.