Fire Damage Insurance Claims

Fire damage claims can include structural damage, smoke contamination, contents loss, temporary repairs, code upgrades, and additional living or business interruption expenses. Missing documentation can reduce the settlement, so the claim file needs to be built carefully.

What should be documented after a fire

• Fire, smoke, soot, and water damage from suppression
• Contents, personal property, and business inventory
• Repair scope, estimates, and code-related requirements
• Temporary living or business interruption records