Fire Damage Claims
A fire damage claim is an insurance claim filed for property loss caused by fire, smoke, soot, or the water and chemical damage left behind by fire suppression efforts.
Fire losses are rarely limited to what visibly burned. Smoke and soot travel through HVAC systems and contaminate inventory, equipment, and finishes well outside the fire's physical reach, and fire-suppression water or chemical agents create a secondary damage claim of their own. Continental Adjusters documents the full scope of a commercial fire loss, including code-upgrade costs when a damaged building must be rebuilt to current code, and works the claim from initial inspection through settlement or, where it's disputed, appraisal and litigation support.
Claim Types Covered
Structure Fire Damage
Documents structural, roof, and building-envelope damage from a commercial fire.
Smoke & Soot Damage
Values contamination to inventory, equipment, and finishes beyond the fire's physical reach.
Fire Suppression & Water Damage
Covers the secondary water or chemical-agent damage left by suppression systems and firefighting efforts.
Code-Upgrade & Ordinance Claims
Recovers the added cost of rebuilding to current building code where policy coverage applies.
Total-Loss Claims
Handles full-value claims where a structure is a total loss.
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Why Continental Adjusters
25+ Years, $4B+ Recovered
Continental Adjusters LLC has represented commercial policyholders for more than 25 years and collected over $4 billion in settlements nationwide.
Policyholder-Only Representation
Continental Adjusters never represents insurance carriers and holds no financial interest in repair work tied to any claim it handles.
In-House Forensic Accounting
Continental Adjusters quantifies business interruption and lost-income claims using its own forensic accounting team rather than outsourcing the analysis.
Full-Service Claim Support
Continental Adjusters carries a claim from initial inspection through negotiation, and into appraisal, umpire proceedings, or expert witness testimony if the claim is disputed.
No Upfront Cost
Continental Adjusters works on a contingency basis, so a policyholder pays nothing until the claim is recovered.
How It Works
Free Claim Review
Continental Adjusters reviews the policy and loss details at no cost to determine whether the claim is being fairly valued.
Property Inspection & Documentation
A Continental Adjusters representative inspects the property, documents the damage, and brings in engineering or trade experts where the loss requires it.
Loss Valuation
Continental Adjusters prepares a detailed repair and replacement cost valuation, and, for business interruption losses, a forensic accounting analysis of lost income.
Claim Submission & Negotiation
Continental Adjusters submits the documented claim to the insurer and negotiates directly on the policyholder's behalf.
Settlement or Escalation
Continental Adjusters closes the claim at settlement, or, where the insurer disputes the value, moves it to appraisal, umpire proceedings, or litigation support.
Cost
Continental Adjusters works on a contingency-fee basis in most engagements, so a policyholder pays nothing upfront — the fee is a percentage of the amount recovered, and Continental is only paid once the claim is. Fee structures and statutory caps vary by state; see the relevant state resource page for specifics.
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