Fire · Smoke · Soot
Fire & Smoke Damage Claims
Focus on recovery. Let us help with the claim.
Fire damage can extend beyond the burned area through smoke, soot, and water used to extinguish the fire. Pajoe helps Florida families and businesses document their losses, organize the claim, and address eligible repair, contents, and displacement costs with their insurer.
Talk to an adjuster: 954-738-2681What we handle
Damage we document & claim
- Structural fire damage, partial or total loss
- Smoke and soot contamination throughout the property
- Water damage from firefighting efforts
- Room-by-room personal property inventories
- Additional living expenses while displaced
- Business interruption for commercial properties
Look beyond the visible burn damage
Smoke and soot can affect rooms, ventilation, furnishings, and belongings beyond the fire's origin. A thorough assessment helps identify damage that may not appear in an initial repair estimate.
How we fight for you
Our approach
Complete loss documentation
We document the structure, smoke migration, and every damaged item, not just what's charred.
Contents inventory
We help you build a detailed inventory of your belongings so nothing is forgotten or undervalued.
Displacement costs
We review applicable coverage for temporary housing and extra expenses, and help document those costs.
Common questions
Fire & Smoke claim FAQs
The fire was small. Is it worth hiring a public adjuster?
Even small fires can leave smoke damage throughout a home. A free inspection will tell you whether the carrier's estimate is missing anything.
What should I do right after a fire?
Make sure everyone is safe, secure the property, notify your insurer, and avoid throwing anything away before it's documented. Then give us a call.
$5k offer → $140k settlement
“My insurance company wanted to give me $5k for one claim and deny the second claim. In the end I ended up with $140k to fix all my issues.”
A past client result, not a promise of a similar settlement. Outcomes depend on the policy and circumstances of each claim.
Let's review your fire & smoke claim.
Free property inspection. No charge unless your claim is successfully settled.