Get Professional Fire Damage Claim Service In Florida

A public adjuster works exclusively for the policyholder—not the insurance company—to evaluate, document, and negotiate your fire damage claim. After a fire, your insurer sends their own adjuster to assess damages, but their loyalty is to the insurer. Atlantic Property Adjusters levels the playing field by interpreting your policy, ensuring every covered item is included, estimating repair costs accurately, and maximizing your settlement. We represent your interests from initial inspection to final payout, often uncovering entitlements homeowners didn’t know existed.

The sooner, the better. Fire damage claims are time-sensitive and the initial documentation is critical. Contacting Atlantic Property Adjusters immediately after the fire ensures that no detail is missed, evidence is preserved, and early mistakes are avoided—such as signing lowball settlements or cleaning areas that should be documented first. Early involvement allows us to guide you through temporary housing, emergency repairs, and protect your rights before your insurer begins their own assessment.

Yes, and it’s often a smart move. Many clients bring us in after realizing the insurance company undervalued their claim or denied certain items. Atlantic Property Adjusters can reopen, supplement, or renegotiate fire claims—even if a settlement offer has already been made. We review all documentation, re-inspect the damage, and present a stronger, properly itemized claim that meets your full policy entitlements.

Many people rush to clean up before documenting damage, accept the first offer from their insurance, or rely too heavily on the insurance company’s adjuster. Others discard fire-damaged contents without inventorying them. These mistakes can drastically reduce claim values. Atlantic Property Adjusters helps prevent these errors by thoroughly documenting all damage, creating professional itemized reports, and handling communications so that your rights and evidence are protected from the start.

Quite the opposite. While it may seem like an extra step, hiring Atlantic Property Adjusters actually accelerates your claim by organizing documentation, correcting insurer errors, and pushing the process forward efficiently. We speak the insurance company’s language and understand the claim handling timelines, helping you avoid delays caused by incomplete paperwork or miscommunication. Our team ensures your claim doesn’t sit idle or fall through the cracks.

Fire damage policies can be complex, with limits, exclusions, and sub-limits that aren’t always obvious. Many policies cover smoke, soot, structural damage, content loss, and temporary living expenses—but interpreting these correctly is crucial. Atlantic Property Adjusters carefully reviews your entire policy, line by line, to identify all potential coverage you’re entitled to. We often uncover overlooked areas, such as HVAC damage, electronics ruined by smoke, or structural weakening that insurers might skip.

Insurance adjusters often focus on obvious destruction, but fire damage can be insidious. Smoke and soot can infiltrate wall cavities, ductwork, and electronics, rendering them unsafe or inoperable. Heat can warp structural components even if they don’t appear charred. Water used to extinguish the fire can cause mold and further damage. Atlantic Property Adjusters ensures all these hidden impacts are included in your claim, not just what’s visible.

No. Atlantic Property Adjusters works on a contingency basis, meaning we only get paid if you do. Our fee is a small percentage of the settlement we help secure for you. This performance-based model ensures our interests are aligned with yours—we’re motivated to get you the highest payout possible and there are no out-of-pocket costs for our service unless your claim is successful.

Yes. If your claim was denied, it doesn't necessarily mean you're out of options. Atlantic Property Adjusters can review the denial letter, identify weaknesses in the insurer’s reasoning, and gather new evidence or documentation to appeal or reopen the claim. In many cases, denials are issued because of unclear documentation or misinterpretation of the policy—both of which we are equipped to address with a solid strategy.

The more, the better. Photos or videos of the damage, lists of personal property, original receipts, repair estimates, and communication with your insurance company are all helpful. However, don’t worry if you didn’t gather everything—Atlantic Property Adjusters assists in building a comprehensive file. We even help create loss inventories, contact emergency service providers, and document items you may have forgotten or overlooked in the chaos.