Northstar Public Adjusting
Fire & Smoke Damage Claims

Fire damage claims are almost always undervalued.

Smoke travels further than fire. Insurers focus on what burned — we document everything that smoke, soot, and suppression water touched throughout your entire property.

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What fire & smoke damage claims look like

  • Direct fire damage to structure, roof, and interior finishes
  • Smoke and soot contamination throughout HVAC system and all rooms
  • Water damage from fire suppression and sprinkler systems
  • Odor penetration into walls, flooring, insulation, and contents
  • Electrical system damage from heat and suppression water
  • Structural weakening from fire exposure
  • Contents damage across all rooms affected by smoke
  • Temporary housing costs while property is uninhabitable

What insurers routinely undervalue

  • Limiting the smoke damage scope to rooms with visible soot
  • Missing HVAC contamination that spreads smoke throughout the structure
  • Undervaluing contents replacement costs
  • Ignoring attic insulation replacement requirements
  • Applying cosmetic repair costs where full replacement is warranted
  • Omitting odor remediation costs for affected materials
  • Underestimating temporary housing and living expense recovery
Local Context

Where We Work

Fire and smoke damage claims regularly result in underpaid settlements when insurers focus only on visible burn damage. Our inspections consistently identify smoke spread through HVAC systems, soot in attic insulation, and water damage from suppression — items commonly missing from initial insurer assessments.

Fire & Smoke Damage Claims — FAQ