Fire & Smoke Damage public adjuster
Home fires, wildfires, and smoke damage. Carriers routinely undervalue smoke and soot remediation, code-upgrade costs, and the full scope of structural repairs.
Where fire and smoke damage claims go wrong
Smoke & soot beyond the burn area
Particulates travel through HVAC systems and settle in rooms that the fire never reached. Insurers often only look at visible char.
Code-upgrade costs
Most policies cover rebuilding to meet current building codes, but this is rarely included in the initial estimate.
Contents at replacement cost
Personal property is often valued at depreciated cash value rather than the cost to actually replace it.
Additional living expenses
Hotel stays, meals, and storage while your home is uninhabitable are owed; they are often not documented properly.
Clayem's AI reads your full policy and builds an evidence-backed demand for your fire and smoke damage claim; a licensed public adjuster reviews it and negotiates directly with your insurer. You only pay if we recover more than the insurer first offered.