Smoke, soot, odor, and demolition scope are often underestimated when documentation focuses only on visible damage.
Initial estimates often focus on the most visible damage and miss related components, secondary impacts, or system-level requirements that affect proper repairs.
Photos, measurements, and notes may not fully capture the extent of the damage, how it occurred, or how far it extends beyond obvious areas.
Coverage decisions depend on how damage is classified and documented. When policy language isn’t applied consistently, scope and payment disputes follow.
Document the Loss
Complete inspection and photo documentation of all damage, including impacts, collateral items, and secondary effects.
Align the Scope
Ensure the estimate reflects system requirements, code compliance, and full repair needs.
Tie to Policy
Match documented damage to policy language and coverage provisions clearly.
Handle the Carrier
Manage all communication and negotiation with the insurance company directly.
Keep It Consistent
Maintain clear documentation and consistent explanations throughout the process.
Coverage depends on policy terms and documentation. Smoke damage may include soot, odor, and contamination beyond visible areas, which must be clearly documented to support the claim.
Odor damage is documented through material assessment, migration patterns, and restoration requirements. Odor is not just a nuisance, it can affect livability and material integrity.
Fire and smoke damage often affect areas that aren’t visibly burned. Heat, smoke, and soot can impact materials, systems, and indoor air quality even when the structure appears intact.
