Fire & Smoke Damage Claims
Insurance Carriers Focus on What Burned. We Document What They Miss.
After a fire, carriers typically scope only the visible burn area. They ignore smoke infiltration, soot in HVAC systems, and water damage from firefighting. We document the complete loss: every affected room, every hidden system, every cost the carrier doesn't want on your estimate.
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Damage Carriers Overlook or Minimize
What We Handle
Carriers limit scope to visible char without the full structural assessment your loss requires
HVAC systems, walls, ceilings, and contents carriers miss when they stop at the burn perimeter
Saturation damage that can equal or exceed the fire loss itself, and carriers frequently undervalue it
Heat damage to systems adjusters consistently omit from the initial estimate
Undervalued or excluded items that require detailed documentation and proper valuation
Displacement costs policyholders are entitled to while their home is being restored
How We Advocate For You
How We Help
We document infiltration through every affected room, system, and surface, not just the burn area.
Cost accurate repair pricing that includes every damaged component, not just what's visible.
We identify all living expense coverage you're entitled to while your home is restored.
We catalog and value personal property losses the carrier underestimates or excludes.
Our only obligation is maximizing your settlement, not protecting the insurer's bottom line.
We identify building code requirements triggered by repair that your policy should cover.
Ready to Get Your Claim Reviewed?
Contact us today for a free consultation. We evaluate your property damage and help you get what you are entitled to from your insurance company.
(386) 243-9530Serving Daytona Beach, Volusia County & Central Florida
HP Adjustments
Licensed Florida Public Adjusters serving Daytona Beach, Volusia County, and Central Florida. We fight for policyholders, not insurance companies.
Contact
(386) 243-9530 heather@hpadjustments.comDaytona Beach, FL
Heather Pacheco, Lic. #W604295
HP Adjustments, LLC, Firm Lic. #G259997
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