Insurance Claim For Fire, Smoke & Soot Damage
How to deal with an insurance adjuster after a house Fire, Smoke & Soot Damage?
TALK TO YOUR PUBLIC INSURANCE ADJUSTER TODAY!
Handling Your Fire, Smoke & Soot Damage Insurance Claim
File Your Claim Immediately
If your property has suffered Fire, Smoke & Soot Damage, notify your insurance company as soon as possible. Most policies require prompt reporting. Contact your agent or the insurer’s claims department to get your claim number. Delaying this step could risk your ability to recover losses.
Request an Advance on Coverage
If you’ve been displaced, you can ask for an advance on your insurance claim. This typically falls under the “Personal Property” or “Contents Coverage” portion of your policy. An advance can help cover essentials while you recover from Fire, Smoke & Soot Damage.
Track Every Expense
Keep all receipts and use electronic payments when possible to document any out-of-pocket costs related to the damage. These records support your claim and help ensure full reimbursement.
Choose Your Own Contractors
Do not feel pressured to use contractors recommended by your insurance adjuster. When dealing with Fire, Smoke & Soot Damage restoration, you have the right to choose professionals who represent your interests—not those of the insurance company. Their preferred vendors often prioritize maintaining insurer relationships over delivering the best service to you.
Your Responsibilities After Fire, Smoke & Soot Damage
Secure the Scene
After a Fire, Smoke & Soot Damage incident, you’re responsible for preventing further loss. Insurance policies require that you take reasonable steps to mitigate additional damage. That means acting quickly—boarding up broken windows, tarping damaged roofs, and securing the structure. These costs are typically reimbursable under your claim.
Remove High-Value Personal Items
Take immediate steps to secure valuables such as cash, jewelry, firearms, and personal documents. These are often targets after a fire-damaged property is left vulnerable.
Board-Up and Fence the Property
To deter theft or vandalism, install a temporary chain-link fence and board up any accessible openings. This not only protects your belongings but also strengthens your claim by showing you took steps to prevent further damage.
Stay Vigilant
Monitor your property regularly. Notify local law enforcement and ask for occasional patrols. Ongoing attention can discourage break-ins and unauthorized access.
Document Every Step
Keep detailed records of all actions taken and communications made. Every conversation with your insurance agent or adjuster regarding your Fire, Smoke & Soot Damage claim should be logged—dates, names, and key points included.
Take Charge Of The Fire, Smoke & Soot Insurance Claim Process
Hire Your Own Adjuster for Fire, Smoke & Soot Damage Claims
Experiencing Fire, Smoke & Soot Damage can turn your world upside down—disrupting your home, work, and family life. You don’t have to face the insurance process alone. Hiring a licensed public adjuster gives you an advocate who works for you, not the insurance company. We help you take control, avoid costly mistakes, and secure the full settlement you’re owed.
Start Your Personal Property Inventory
Begin listing all damaged personal items. For each item, include the name, quantity, brand or manufacturer, approximate age, and the Replacement Cost Value (RCV). This inventory is essential to support your claim and avoid disputes.
Organize Receipts and Documentation
Gather receipts, credit card statements, and any purchase records to validate your personal property inventory. Clear, documented proof ensures accurate valuation and a proper settlement from your insurer.
Stay in Control of Your Belongings
Do not allow restoration companies to rush in and remove your personal items without proper documentation. Before anything leaves your property:
- Photograph every item.
- Create a detailed inventory with codes for tracking.
- Categorize each item as salvageable (can be cleaned) or non-salvageable (must be replaced).
Without professional oversight, this process often leads to disputes over what was removed, cleaned, lost, or discarded. We ensure everything is accounted for—accurately and transparently.
How We Work For You
The Insurance Claim Process and how we obtain the maximum amount on your claim.
Commercial Claims Process
We handle the entire insurance claims process so you can concentrate on running your life. There really is an advocate out there who offers a “Win-Win”.
Homeowners Claims Process
Abba Claims Consultants is the Public Adjusting Firm that provides Peace of Mind found when you know that your trusted ally is representing your best interest.
Multi Family Claims Process
Our Expert Public Adjusters file the claim for you, prepare a scope of work, prepare a detailed estimate of repairs, negotiate and settle Commercial, Homeowners and Multifamily Insurance Claims.
WE SAVE YOU TIME AND MONEY!
WE ELIMINATE YOUR STRESS!
WE NEGOTIATE YOUR SETTLEMENT!
WE ARE THE GAME CHANGER!
We provide Public Adjusting Services to homeowners & business owners across the States of
Texas - Florida - Oklahoma - Louisiana - Missouri - Kansas - Iowa - Nebraska - Tennessee - South Carolina
Abba Claims Consultants, LLC Texas Public Insurance Adjuster License #2003555
Ches Bostick Texas Public Insurance Adjuster License #1400001
Fire & Smoke Damage
Hail & Wind Damage
Water & Mold Damage
Theft & Vandalism
Building Collapse
Business Interruption
Commercial Claims
Residential Claims
Why I Need My Own Insurance Adjuster
Abba Claims Consultants are Public Insurance Adjusters...
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that provide the peace of mind found when you know that your trusted ally is representing your best interest. An industry leader and innovator in the negotiation and settlement of property damage insurance claims.
But what exactly is a Public Adjuster?
Public adjusters work hard to get their clients what is needed when dealing with property damage insurance claims to commercial and residential buildings. It’s an exclusive relationship between client and the public adjuster that is set up to get claims settled so that policyholders can put their lives back together. Public Insurance Adjusters are regulated by the Department of Insurance or Regulatory Agencies in each state.
Unfortunately, we do not handle auto claims.
Why You May Need the Services of a Public Adjuster?
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As stated in their insurance policy, an insured-policyholder must prove the claim to the insurance company, Public Insurance Adjusters are experts in the process of all areas of an insurance claim. This helps “Level the Playing Field” with the insurance company. Licensed public adjusters are experienced in understanding the complexity of insurance policies.
Our Abba Claims Consultants Public Adjusters are trained to identify covered damage and estimate the appropriate repair or replacement costs. Public Insurance Adjusters know the “ins and outs” of the insurance industry, its customs, and practices. Because of this, we are able to present your claim to the insurance carrier in such a way to assure the most favorable outcome.
How Can A Public Insurance Adjuster Help Property Owners?
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The claims adjuster that represents the insurance company and YOU at the same time creates a “Conflict of Interest”.
Eliminate this by allowing Abba Claims Public Adjusters to represent you. We serve policyholders in many capacities.
The “Professional Services” area outlines the many ways that we are available to assist in the insurance claims resolution process.
We provide Public Adjusting Services to homeowners & business owners across the States of
Texas - Florida - Oklahoma - Louisiana - Missouri - Kansas - Iowa - Nebraska - Tennessee - South Carolina
WHY CHOOSE ABBA CLAIMS
Contact Your Public Insurance Adjusters
Abba Claims Consultants
We provide Public Adjusting Services to homeowners & business owners across the States of Texas - Florida - Oklahoma - Louisiana - Missouri - Kansas - Iowa - Minnesota - Nebraska - Tennessee - South Carolina
Abba Claims Consultants, LLC Texas Public Insurance Adjuster License #2003555
Ches Bostick Texas Public Insurance Adjuster License #1400001
Call (888) 908-2042 for service.
