Fire and structural damage
We review the damage, estimate, documentation, and claim status to identify what the insurance company may have missed.
Fire Damage Claim Help
Fire damage claims need more than a quick estimate.
Fire losses can include structural damage, smoke, soot, odor, contents, electrical, HVAC, water from firefighting, and temporary housing issues. Charter Claims helps document the full loss and challenge incomplete estimates.
- Free Claim Review
- Free Inspection
- No upfront cost
- No fee unless we are successful in getting you more money
Who this page is for
Homeowners and property owners after house fires, smoke damage, soot contamination, contents damage, water damage from firefighting, or underpaid fire claims.
A fire claim may require reviewing building damage, hidden smoke impact, contents, cleaning, demolition, code, and additional living expense issues. Charter Claims helps policyholders avoid accepting an estimate that only tells part of the story.
- The insurance payment is lower than your contractor’s repair estimate
- The carrier denied or partially denied parts of the claim
- The adjuster missed roof, exterior, interior, water, fire, smoke, or code-related damage
- The claim is delayed, confusing, or stuck in repeated inspections
- You want a policyholder-side review before accepting the insurance company’s answer
Prefer to talk? Call 888-503-5009.
Fire claims are complicated, and low estimates can miss major costs.
A fire claim may require reviewing building damage, hidden smoke impact, contents, cleaning, demolition, code, and additional living expense issues. Charter Claims helps policyholders avoid accepting an estimate that only tells part of the story.
The insurance company’s adjuster works for them. Charter Claims works for policyholders.
Claim help
What Charter Claims reviews
Every claim is different, but the goal is the same: find out whether the carrier’s answer reflects the real damage and the policyholder’s covered loss.
Smoke, soot, and odor damage
We review the damage, estimate, documentation, and claim status to identify what the insurance company may have missed.
Water damage from firefighting
We review the damage, estimate, documentation, and claim status to identify what the insurance company may have missed.
Contents and personal property concerns
We review the damage, estimate, documentation, and claim status to identify what the insurance company may have missed.
ALE / temporary housing claim issues
We review the damage, estimate, documentation, and claim status to identify what the insurance company may have missed.
Policyholder advocacy
You do not have to take the insurance company’s estimate as the final word.
Charter Claims can inspect the damage, review the estimate, prepare documentation, communicate with the insurance company, and help pursue additional money when the claim supports it.
Insurance Company Adjuster
- Works for the carrier
- Protects the insurance company’s process
- May miss or undervalue damage
Charter Claims
- Works for the policyholder
- Reviews damage and estimates
- Fights for a fair claim result
Service area
Claim help across Charter Claims’ priority service areas
Charter Claims helps policyholders in Florida, Mississippi, North Carolina, Texas, Georgia, New Mexico, California, Oregon, Washington, Alaska, and Colorado. Charter Claims is licensed and bonded where licensing is required. Colorado does not license public adjusters, but Charter Claims can handle claims there because adjuster licensing is not required. For California, Oregon, Washington, and Alaska, Charter Claims is licensed in and/or works through licensed partner coverage as appropriate.
Florida
Mississippi
North Carolina
Texas
Georgia
New Mexico
California
Oregon
Washington
Alaska
Colorado
More claim help
Related Charter Claims pages
Before you accept the insurance company’s answer, get a free claim review.
Submit your claim information or call Charter Claims now.