Fire & Smoke Damage claims in Maryland
Fire losses often go beyond just the burned room. Smoke, soot, and the water used to extinguish the fire cause additional damage, and that's precisely where insurers' estimates miss the mark.
Clayem fee in Maryland
Risk-free15%
of the additional amount we recover above your insurer's offer
If we don't recover more than your insurer already offered, you owe nothing.
What insurers underpay on fire and smoke damage claims
These are the line items we examine on every fire and smoke damage claim. This is the coverage that is most often missed, depreciated, or excluded from the initial offer.
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.
How a fire and smoke damage claim works in Maryland with Clayem
Drop files or browse
Upload your claim
Describe your situation and upload your policy documents, insurer correspondence, and damage photos. This takes about 10 minutes.
Analyzing policy
42 pages scanned
AI analyzes your policy
Our AI checks every clause against your claim, finds any missed coverage, and creates a professional evidence package with policy citations.
Settlement recovered
vs $15,000 initial offer
Example for illustration only
We negotiate for you
A licensed public adjuster looks over the AI's work, approves the demand letter, and negotiates directly with your insurer until you receive what you're owed.