Smoke Damage

Smoke damage can come from many sources, whether it's your heating system, a neighbor’s house fire, a kitchen appliance, or a chimney. We specialize in the practical cleanup while focusing on what matters most: replacing your personal belongings and repairing your building. We want the benefit to go to our clients, not the insurance company’s restoration contractors. Our more than thirty of experience dealing with insurance companies on behalf of our clients has helped us become the top public adjusters in Media, PA!

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FAQ

Is smoke damage covered by my homeowners policy?

Yes. Most homeowners policies cover sudden and accidental smoke damage. Coverage is limited only under the most basic policy forms.

Is smoke odor alone considered damage?

It depends on the insurance company. Some carriers argue that odor by itself is not “direct physical loss.” There are ways to prove otherwise, and we know how to document it.

Should I let a restoration company start cleaning right away?

Not before everything is documented. Every item affected by smoke should be recorded before any cleaning begins because insurance companies don’t always honor restoration companies’ cleaning bills. Once something is cleaned, the evidence of damage is gone.

Is it safe to stay in my home after a fire?

We recommend staying out of the home until it has been completely cleaned, inside and out. Smoke residue can be hazardous to breathe and touch.

How do you protect me from inadequate cleaning?

We set protocols to limit unreasonable and expensive “cleaning” efforts, which can reduce what you’re paid to replace your damaged personal property and repair your building.

Storm Damage Media, PA

Your home is your greatest asset and most important investment you will ever make. Your business is your livelihood and something you take great pride in. When mother rolls through and inflicts damage on one of them, it’s very hard to deal with.

After assuring that your family or employees are safe and have received any necessary care, you’ll begin the process of getting your daily life back to normal. Part of that process will force you to deal with your insurance contract with your insurance company; a very complex dealing, if you are inexperienced. Fortunately, there is an easier way.

The easy way starts when you call Home + Business Public Adjusters of Media, PA. We are here to help, should your home suffer a loss due to water, structural, or other types of damage from storms. We’ve been fighting insurance companies for our clients for a long time, and we have seen just about everything in Media.

PROPERTY DAMAGE CLAIMS WE HAVE HELPED RESOLVE

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TRUSTED EXPERIENCE WHEN YOU NEED IT MOST

With nearly 30 years of insurance industry experience, he has been helping homeowners and business owners navigate residential and commercial claims since 2005. Our extensive knowledge and hands on approach ensure you have an experienced team working to protect your interests every step of the way.

MEMBER OF THE BETTER BUSINESS BUREAU (A+ RATING) LICENSED IN
PENNSYLVANIA, NEW JERSEY, DELAWARE AND MARYLAND

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Discuss your claim and discover how decades of industry expertise can help you achieve the best possible outcome.

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TRUSTED EXPERIENCE WHEN YOU NEED IT MOST

With nearly 30 years of insurance industry experience, he has been helping homeowners and business owners navigate residential and commercial claims since 2005. His extensive knowledge and hands on approach ensure you have an experienced advocate working to protect your interests every step of the way.

MEMBER OF THE BETTER BUSINESS BUREAU (A+ RATING) LICENSED IN
PENNSYLVANIA, NEW JERSEY, DELAWARE AND MARYLAND