Structure & Rebuild
Burned framing, roofing, wiring and finishes — plus the demolition, debris removal and code-required upgrades a real rebuild involves.
Florida fire damage insurance claims — fought, not filed away
One room burns; the whole house suffers. Smoke, soot, firefighting water and weeks out of your home all belong in a fire damage insurance claim in Florida — and Armada's licensed public adjusters make sure the settlement covers all of it, not just the char. We've recovered $30M+ for Florida policyholders.
01
The Hidden Loss
Smoke travels farther than fire
The flames may have been contained to one room — the loss almost never is. Smoke and soot are acidic, and they migrate through a home in minutes: into wall cavities, insulation, closets, cabinetry and electronics rooms away from the burn. Left underdocumented, that contamination gets "cleaned" on paper and paid at a fraction of what real remediation costs.
Your HVAC system makes it worse. Ductwork pulls in smoke during a fire and redistributes soot and odor every time the system runs afterward. A complete fire damage insurance claim in Florida accounts for duct cleaning or replacement, filtration and odor sealing — line items carriers routinely leave off the estimate.
Start a fire & smoke claim
02
The Second Wave
The water after the fire
Firefighters save homes with thousands of gallons of water — and often chemical suppressants. That stops the fire and starts a second loss: saturated drywall, buckled flooring, soaked insulation and, in Florida's humidity, a mold clock that starts ticking immediately.
We document the firefighting damage as thoroughly as the burn itself, and when water intrusion turns into mold, we tie it back to the covered fire loss. See our water damage and mold damage guides for how those pieces of the claim work.
Get the whole loss documented
Where claims get shortchanged
Four places carriers cut the check
A fire loss has four moving parts. Insurers tend to pay the obvious one and undervalue the rest — especially contents and smoke remediation. Here's what a complete fire and smoke damage claim includes.
Contents & Inventories
Every item smoke touches is part of your claim. We build room-by-room inventories so belongings are valued properly — not guessed at.
Smoke & HVAC Remediation
Soot removal, odor sealing and ductwork remediation are skilled, expensive work. We price them at real cost — not a wipe-down allowance.
Loss of Use (ALE)
If you can't live at home, additional living expenses coverage helps pay for temporary housing and increased costs while repairs happen.
Our process
How Armada handles your fire & smoke damage claim
Florida law gives you a limited window to report a loss — and cleanup crews erase evidence fast. The sooner we start, the stronger your claim gets.
1
Free Fire Inspection
We inspect and photograph everything — burn, smoke, soot and firefighting damage — before cleanup erases the evidence.
2
Policy & Coverage Review
We map your structure, contents, loss-of-use and code coverages so every part of the loss has a place in the claim.
3
Inventory & Estimate
We build the contents inventory, remediation scope and repair estimate that reflect what recovery actually costs.
4
Negotiate & Escalate
We present, negotiate and push back — through supplements and appraisal if the carrier won't pay what's owed.
Fire claim questions
Fire & smoke claim FAQ
Have a question we didn't answer? Call (352) 556-3988 — English & Español.
Yes. If your policy covers fire, it covers the smoke and soot that fire produces —
including contamination in rooms far from the flames, inside ductwork and HVAC
systems, and on furniture, clothing and electronics. The key is proving it:
professional testing and thorough documentation are what turn a quick wipe-down
allowance into a properly funded remediation.
Most Florida homeowners policies include additional living expenses coverage, also
called loss of use. If a fire makes your home unlivable, it can help pay for
temporary housing, increased meal costs and other reasonable expenses while repairs
are under way. We document and claim these costs alongside the structural and
contents portions of your claim.
No — and you shouldn't. The contents inventory is one of the most undervalued parts
of a fire damage insurance claim. Armada helps you build a room-by-room inventory
with supporting values, so smoke-damaged and destroyed belongings are claimed at
what they are actually worth instead of the carrier's quick estimate.
A denial letter or a lowball check is not the end of your claim. We re-inspect the
loss, re-document what the carrier ignored and challenge its position — including
through the appraisal process when needed. See our
denied and underpaid claims guide,
or read
what to do if your insurance claim is denied in Florida.
Related claims
Fire losses rarely travel alone
Firefighting water, humidity and lowball offers each come with their own playbook.
Water Damage
Saturated drywall, warped floors and hidden moisture — from firefighting or plumbing alike.
Water damage claimsMold Damage
When post-fire moisture turns into mold, we connect it to the covered loss and claim it.
Mold damage claimsDenied & Underpaid
Already got a "no" — or a check that won't rebuild anything? That's our specialty.
Denied claim help
After the fire, one fight is left. We'll take it.
A free inspection shows you what your fire damage claim is really worth — before you accept the carrier's number.
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