Fire & Smoke Damage Insurance Claims in Florida

CALL THE EXPERTS AT OCEAN POINT CLAIMS TO HELP YOU THROUGH THE CLAIMS PROCESS.

Fire and smoke damage can impact a property far beyond the area where the fire occurred. Heat, soot, smoke residue, and water used to extinguish the fire can affect structural components, interiors, and personal property throughout the home. While insurance policies are designed to cover fire-related losses, fire and smoke damage insurance claims in Florida are often underpaid due to incomplete documentation or overlooked damage.

Ocean Point Claims helps Florida homeowners manage fire and smoke damage insurance claims from start to finish. Our licensed public adjusters inspect the damage, prepare detailed documentation, and communicate directly with the insurance company to ensure the full scope of covered damage is properly presented.

Types of Fire and Smoke Damage We Handle

Fire-related losses often involve multiple forms of damage that develop simultaneously. Even when flames are contained to one area, smoke, heat, and suppression efforts can impact the entire property.

We regularly assist homeowners with claims involving:

      • Structural fire damage
      • Smoke and soot damage throughout the property
      • Heat damage to framing, wiring, and building materials
      • Water damage caused by firefighting efforts
      • Damage to personal property and contents

Because fire and smoke damage can spread far beyond visible areas, thorough inspections are essential to capturing the full extent of the loss.

Fire Insurance Expertise You Can Rely On

At Ocean Point Claims, homeowners benefit from the experience of Eli Goins, a trusted expert in fire insurance claims. With more than 17 years in the insurance industry, including extensive experience working as an independent adjuster for insurance carriers, Eli brings a deep understanding of how fire and smoke damage claims are evaluated and settled.

His background allows him to identify overlooked damage, prepare thorough documentation, and anticipate how insurance companies approach fire-related losses. Eli is known for his hands-on involvement, clear communication, and steady management of complex fire and smoke damage claims, helping homeowners move through the process with confidence and clarity.

Why Fire and Smoke Damage Claims Are Often Underpaid

Fire and smoke damage claims are frequently underpaid because insurers focus on visible burn damage while overlooking secondary effects. Smoke residue, soot infiltration, and heat exposure can compromise materials that appear intact but are no longer safe or restorable.

In addition, water damage from suppression efforts and damage to electrical systems are sometimes minimized or separated from the fire loss. When these issues are not fully documented and connected to the event, claim settlements may fall short of what is required to properly restore the property.

Denied or Underpaid Fire Insurance Claims

Fire and smoke damage insurance claims are sometimes denied or underpaid due to how the damage is documented or interpreted. Insurers may limit coverage by focusing only on visible fire damage while minimizing smoke, soot, heat exposure, or water damage caused during fire suppression.

In other cases, portions of the claim may be excluded due to policy interpretation, incomplete inspections, or disagreements over repair scope. These issues can result in settlements that fall short of what is required to properly restore the property.

When a fire damage claim has been denied or underpaid, a second review of the damage and the insurance policy can often identify overlooked coverage or documentation gaps. Ocean Point Claims helps homeowners reassess fire and smoke damage claims and pursue appropriate adjustments when the initial settlement does not reflect the full extent of the loss.

 

What Is Commonly Missed After a Fire

Even after an initial inspection, significant fire-related damage is often understated. Commonly missed issues include:

  • Smoke and soot penetration into walls, insulation, and HVAC systems
  • Heat damage to wiring, plumbing, and structural components
  • Odor contamination affecting building materials and contents
  • Water damage caused by firefighting efforts
  • Code upgrade requirements triggered by fire repairs

Identifying and documenting these elements early helps ensure the claim reflects the true scope of restoration.

How a Florida Public Adjuster Helps With Fire Damage Claims

Fire and smoke damage insurance claims require careful documentation and a clear understanding of how different types of damage are connected. This can be difficult for homeowners to manage while also addressing displacement, repairs, and recovery.

Ocean Point Claims assists by conducting comprehensive inspections, interpreting policy coverage accurately, and preparing documentation that supports the claim clearly and professionally. We manage communication with the insurance company throughout the process to help ensure all covered damage is evaluated fairly and consistently.

Fire & Smoke Damage Claims Across Florida

Fire and smoke damage affect properties across Florida, from single-family homes to condominiums and multi-unit buildings. Ocean Point Claims assists homeowners statewide, managing fire and smoke damage insurance claims in communities such as West Palm Beach, Orlando, Tampa, Fort Myers, and Jacksonville, as well as surrounding areas.

Regardless of location, our approach remains consistent: thorough inspections, accurate documentation, and clear communication throughout the claim process.

Our Fire & Smoke Damage Claim Process

Every fire damage claim is handled using a structured approach designed to reduce delays and avoid missed coverage:

      • Review of the insurance policy and loss details
      • Detailed property inspection and damage documentation
      • Preparation of estimates and supporting reports
      • Direct communication with the insurance company

This process helps keep the claim organized and moving toward resolution.

Get the Settlement You Deserve - We represent you, not the insurance company

Do not let your insurance company decide what your property is worth. We fight for homeowners, condo associations, and businesses to receive full payment for every fire and smoke damage claim. Call (561) 922-7304 today or request a free claim review.

Start Your FREE Inspection Now!

If your property has experienced fire or smoke damage, having experienced professionals manage the insurance claim can help ensure nothing is overlooked.

  • Free Inspection & Policy Review
  • Available 24/7
  • Stress Free Claim Help
  • Professional Insurance Claim Representation
  • Experienced Public Adjusters
  • No Recovery, No Fee
  • Homeowners and Commercial Insurance
  • Significantly higher settlement when we are involved
  • Licensed & Bonded
  • Proven results with fire and smoke damage insurance claims

From Stuart to West Palm Beach and throughout the Treasure Coast, we help Florida property owners recover quickly after the storm.

Get a Free Fire Damage Claim Review!