PA License Number for Florida P197242 | Wind Certified Umpire and Appraiser | IAUA Associate Appraiser | FAPIA Associates Member and Ambassador | Puerto Rico License 3000461294
PA License Number for Florida P197242 | Wind Certified Umpire and Appraiser | IAUA Associate Appraiser | FAPIA Associates Member and Ambassador | Puerto Rico License 3000461294
When a house fire occurs, the flames are only part of the problem. The real destruction includes hidden damage to your home and toxic smoke particles that spread through walls, vents, and even furniture. Smoke damage can affect areas far from the fire source—embedding into electronics, upholstery, and structural supports.
Unlike direct fire damage, smoke damage is often invisible but far more insidious. It changes surfaces, eats away at metal, and leaves acidic residue. This residue keeps damaging your home’s structure over time.
Many homeowners do not realize that without expert help, they may file an incomplete smoke damage claim. This can leave them with thousands of dollars lost.
Insurers frequently downplay the true scope of damage, applying arbitrary coverage limits and arguing that only visible items count. In reality, what hides can cost much more. That’s why it’s important to document the damage well. Working with an expert can help you get full compensation instead of a weak payout.
Do you think you have damage to your home? Contact us and receive a free inspection.
What you do in the first 24 hours after a fire can define the success—or failure—of your insurance recovery. At Alconero, we have seen many claims fail. This often happens because the homeowner acted too quickly or did not document the scene properly.
Once the flames are out and authorities clear your home or business for entry, your next step is to secure the site. Board up broken windows, cover exposed roofs, and shut off utilities to prevent additional harm. These actions protect your property. They are also important to avoid claim denials for “not trying to reduce loss.”
Use photos and video to record every aspect of the scene. Focus on both obvious destruction and less visible damaged items. Capture smoke residue, water damage, warped materials, and even unaffected areas—this supports the timeline of loss. Don’t forget to save receipts for any emergency expenses.
Before you tell your insurance company, hire a public adjuster. They can help you with the claims process from the start. At Alconero, we handle everything from loss estimation to presenting the claim. Filing too early, or with insufficient documentation, may lead the insurer to deny your claim or severely underpay it. The adjuster sent by your insurance company isn’t there to protect you—they’re there to protect their bottom line.
📞 Don’t wait. Call us today for a free inspection.
The fire damage insurance claim process is complex—especially when insurers control the narrative. Once you notify them, they’ll send their own adjuster to assess the damaged property. But this adjuster follows internal guidelines, not necessarily the market value or real cost of repairing your home.
They often exclude:
This is why partnering with a fire damage claims adjuster from Alconero shifts the power dynamic. We create a detailed loss inventory, match it to policy language, and negotiate for maximum compensation. Our reports do more than state facts. They show insurance coverage based on policy rights, repair market rates, and evidence the insurer must consider.
In Florida, property insurance claims are often scrutinized more aggressively because of frequent natural disasters. That’s why knowledge is your best asset—and a licensed public adjuster is your strategic partner.
At Alconero, we specialize in large-loss claims, particularly those involving fire damage, smoke damage, and water damage. We understand insurer tactics: delays, vague denial letters, partial coverage offers. Our adjusters counter these with expert reports, licensed appraisers, and a relentless push for fair settlement.
We don’t just help; we handle your claim professionally. We often get you 2x or 3x more than what you are first offered.
The science is clear: smoke is not just dirty air—it’s chemically toxic. A Harvard study found that toxic metals can enter human immune cells. These metals include lead, cadmium, and arsenic. This happens after exposure to wildfires.
You may inhale:
These toxins linger long after visible soot is cleaned. They settle into air vents, textiles, wood framing, and furniture. Without industrial-level decontamination, your home may remain a health threat for months.
True fire restoration goes beyond wiping soot and painting over stains. Professional crews must deploy:
The cost of repairing smoke and fire damage depends on how thoroughly the home is cleaned, deodorized, and rebuilt. Many policies cover this—but only if it’s documented and demanded properly. Without the support of a public adjuster, homeowners often accept superficial repairs that ignore internal damage.
Miami – After a small kitchen blaze, an insurance company offered $28,000 for visible cabinet damage. Alconero’s evaluation uncovered smoke damage throughout the attic and HVAC, leading to a revised payout of $86,500.
Orlando – A boutique shop suffered minor fire damage, but the insurer refused to cover business interruption. We stepped in, rebuilt the file with financial losses, and recovered $134,000.
We don’t just push paper—we recover real money for damaged property, lost business, and your peace of mind.
💬 Or visit: alconeroandassociates.com
A fire doesn’t end when the flames go out. The real battle begins with your insurance provider. Don’t face it alone.
With Alconero Public Adjuster by your side, you’re not just another claim file. You’re a homeowner or business owner who deserves respect, resources, and results. From documenting the damage, to representing your fire or smoke damage claim, we handle every step with expert precision.