Fire damage claims are among the most complex and frequently undervalued insurance claims. Beyond visible charring, fires create structural compromise, smoke saturation deep inside porous materials, and water infiltration from firefighting efforts—damage categories often overlooked in initial carrier assessments.

Insurance carriers frequently rely on limited walkthrough inspections that fail to capture the full scope of loss. These shortcuts may omit smoke odor remediation, moisture mapping, structural testing, and required code upgrades. As a result, homeowners are left financially exposed with settlement offers far below actual recovery costs.

Claim Warriors specializes in forensic fire documentation. Our process includes thermal imaging, moisture mapping, air quality sampling for smoke particulates, and comprehensive Xactimate line-item estimating to ensure every required repair is properly accounted for.

This case demonstrates why expert representation matters. The carrier’s initial estimate omitted several critical categories, undervalued labor and materials, and failed to include mandatory code compliance upgrades. These omissions would have left the homeowner with a six-figure financial shortfall.