Clearwater kitchen fire: $35k offer to $142k total recovery.
Kitchen fire with extensive smoke damage. Carrier limited scope to fire room; smoke scope expanded claim materially.
Kitchen fire with extensive smoke damage. Carrier limited scope to fire room; smoke scope expanded claim materially.
Initial claim
What went wrong
Smoke damage scope limited to fire room; HVAC contamination and contents throughout home omitted.
The intervention
What we did
Industrial hygienist report on whole-home contamination; HVAC inspection; contents itemization.
Free claim review
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
Takeaways
Lessons
Smoke claims require industrial hygienist support to expand scope beyond fire room.
No obligation. No fee unless recovery.
Licensed Florida public adjuster.
More examples
Related case studies
Hurricane Ian flooding contents loss. Carrier offered flat settlement. Itemized inventory tripled recovery.
Hurricane Milton roof damage. Carrier authorized partial repair. FS 626.9744 matching drove full replacement.
Sinkhole activity; carrier authorized inadequate grouting. Structural engineer showed underpinning required.
Water leak with mold development. Carrier offered water damage only; mold remediation tripled recovery.
Lightning strike damaged multiple home systems. Itemized replacement tripled offer.
Free claim review
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
Know the law
Relevant statutes
Public adjuster representation.
Carrier duties.
Notice deadlines.
Homeowner Bill of Rights.
Matching statute.
Go deeper
Related resources
Emergency playbooks.
FNOL to settlement.
Statutes.
Denial reasons.
Carrier profiles.
All 67 counties.
Claim terms.
Damage categories.
Florida storm profiles.
Decision tools.
Real recoveries.
Common problems.
See also
More Florida case studies
Another documented Florida claim outcome.
Another documented Florida claim outcome.
Another documented Florida claim outcome.
Another documented Florida claim outcome.
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
Florida claim updates
Real Florida claim case studies, statute updates, and the carrier behavior we see most. Unsubscribe anytime.
Browse more