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Fire damage

Fire Claims Are Complex. Hidden Damage Makes Them Harder.

Smoke, soot, and firefighting water cause as much damage as the flames themselves — and insurers routinely undercount all of it. Miller Public Adjusters was built for fire claims. We've been fighting insurers after fires since day one.

Why Fire Claims Are Different

There's More To Fire Damage Than The Flames.

The fire itself is only the beginning. Smoke, soot, and the water used to extinguish it often cause damage that's just as costly — and far easier for insurers to minimize or ignore entirely. 

  1. 01

    Smoke & soot damage

    Airborne soot penetrates walls, HVAC systems, electronics, and personal property far beyond the burn zone. It's corrosive and a serious health hazard — and insurers routinely undervalue remediation costs.

  2. 02

    Firefighting water damage

    Thousands of gallons of water used to fight a fire cause their own wave of structural, electrical, and contents damage — including mold if not properly dried. This is a fully claimable loss that's often overlooked.

  3. 03

    Structural & code upgrades

    Rebuilding after a fire often requires bringing the structure up to current building codes — a cost many policies cover but insurers won't volunteer. We know what to look for and how to claim it.

  4. 04

    Electronics & equipment

    Even electronics not directly touched by fire can be damaged by heat, smoke, and soot exposure. Full replacement — not just cleaning — is often warranted and claimable.

  5. 05

    Contents: salvage vs. replace

    Insurers push to clean personal property rather than replace it — which costs them less. We help you determine what is truly cleanable and fight for replacement cost on items that aren't.

  6. 06

    Additional living expenses

    If you can't live in your home during repairs, your policy likely covers hotel, meals, and other costs. We track every dollar so nothing is left unclaimed.

How We Help

How We Build Your Fire Damage Claim

  • Document the origin, cause, and full extent of fire damage.

  • Identify and scope all smoke, soot, and odor damage.

  • Claim firefighting water damage separately and completely.

  • Identify code upgrade requirements and ensure they're covered.

  • Inventory all personal property and fight for replacement over cleaning.

  • Track and claim additional living expenses throughout your displacement.

  • Claim business interruption and lost income for commercial losses.

  • Negotiate directly with your insurer through final settlement.

Types Of Fire Damage We Handle

Residential, Commercial, And Everything In Between

No two fire claims are alike. We handle the full spectrum — from kitchen fires to total commercial losses.

  • Residential house fire

    From kitchen fires to full structural losses, we document everything — structure, contents, smoke damage, water damage, and ALE — and fight for your full payout.

    Full policy coverage

  • Commercial fire loss

    Commercial fires involve property, equipment, inventory, and business interruption. We handle the complexity of commercial policies to recover every covered dollar.

    Including business interruption

  • Smoke & soot only

    Neighboring fires can fill your property with smoke even without direct fire contact. Smoke-only claims are often denied or underpaid — we know how to document and fight them.

    Often disputed

  • Partial fire damage

    Partial losses are among the most underpaid. Insurers scope only the visibly burned area — missing smoke, soot, water, and structural damage throughout the rest of the property.

    Routinely underscoped

  • Rental property fire

    Landlord policies cover the structure and often lost rental income — but claims are complex. Tenant-caused fires add coverage complications we know how to navigate.

    Includes lost rental income

  • Denied or disputed fire claims

    Arson accusations, policy exclusions, and disputed origin investigations can shut down a legitimate claim. We bring in independent investigators and fight the denial.

    We fight these
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