Fire and smoke claims are overwhelming… and your insurance company is NOT on your side.
48 Hours: Secure property and begin mitigation
7 Days: Complete detailed inventory before disposal
Immediately: check Proof of Loss submission deadline
Warning: Smoke damage can be worth more than visible fire damage - document everything!
You must prove your fire loss with receipts, photos, smoke testing.
Adjusters minimize smoke infiltration & hidden structural damage.
Insurers rarely account for fire code upgrades.
Without documentation you'll miss ALE reimbursement and contents coverage.
See exactly how much more you keep with Fire Claim Navigator vs. other options
Full rebuild, contents replacement, and smoke remediation
| Option | What You Keep | Control | Bottom Line |
|---|---|---|---|
| DIY Alone | $125,000 | Full but ineffective | Lost $125,000 |
| Public Adjuster | $162,500 | Limited | Paid $37,500 in fees |
| Attorney | $167,500 | Very Limited | Paid $82,500 in legal fees |
| FIRE CLAIM NAVIGATOR AI | $250,000 | FULL CONTROL | KEEP EVERYTHING |
"The insurance company offered $125,000. I don't know if that's fair, but I can't prove it's worth more."
"Here's my complete claim package with photos, estimates, replacement costs, code requirements, and depreciation schedules showing exactly why this is a $250,000 loss."
Keep $25,000-$125,000 MORE than other options
Full control with faster resolution (1-3 months)
Professional results without the stress
YOUR CLAIM. YOUR RECOVERY. YOUR MONEY.
Fire Claim Navigator SAVES YOU HUNDREDS OF HOURS and ensures you have every document, photo log, valuation tool, and AI-generated response you need to maximize recovery for fire and smoke damage.
Calculate hidden smoke damage to electronics, HVAC systems, and structural components.
Complete documentation templates for total loss including code upgrades and demolition.
Track temporary housing, meals, and increased costs during restoration.
Calculate debris removal costs and document cleanup expenses.
Document required building code upgrades and compliance costs.
Detailed room-by-room inventory with replacement cost valuation guides.
Upload your fire insurance policy for AI analysis of exclusions, smoke coverage, ALE, and code upgrades.
Our advanced AI analyzes your fire insurance policy to provide personalized claim strategies. No more guessing about coverage or missing critical requirements.
256-bit encryption • GDPR compliant • Auto-deleted after analysis
Available immediately after purchase
Secure upload of your insurance documents
Instant parsing of coverage, limits, and requirements
Receive personalized claim documentation templates
Don't miss these crucial deadlines and documentation requirements
• Contact fire department
• Secure property
• Document everything
• Contact insurance
• Photograph damage
• Video walkthrough
• Begin mitigation
• Start inventory
• Get contractor estimates
• Smoke assessment
• Electronics specialist
• Complete inventory
• Present documentation
• Walk through with contractor
• Document findings
• Request advance payment
• Submit Proof of Loss
• Include documentation
• Challenge undervalued items
• Track ALE expenses
Everything you need for fire, smoke, and wildfire claims
Get every dollar you deserve for your fire loss
One-time fee • Instant access • All fire damage types covered
Digital delivery • All sales final • DIY documentation tools only - no consulting services
Replacement Cost Value (RCV) pays to replace items with new ones of similar quality, while Actual Cash Value (ACV) deducts depreciation. Most policies offer RCV, but insurers often try to settle for ACV. You're typically entitled to RCV if your policy includes it - you'll receive ACV upfront, then recover depreciation after replacing items. Our toolkit helps you document for maximum RCV recovery.
Smoke damage affects electronics, HVAC systems, insulation, and soft goods even without visible soot. Document with: professional testing reports, photographs under different lighting, documentation of odors, and expert opinions. Electronics may fail months later due to corrosion. Our templates help you document all smoke damage, including hidden contamination that adjusters often miss.
Public adjusters typically charge 10-20% of your settlement but can increase recovery significantly. They're most valuable for large losses over $50,000 or complex claims. Our toolkit provides the same documentation templates public adjusters use, helping you decide if you need one or can handle the claim yourself with proper documentation.
ALE covers additional costs when your home is uninhabitable during repairs. This includes temporary housing, increased food costs, laundry, storage, pet boarding, and extra transportation. Key: it covers costs ABOVE your normal expenses. Keep all receipts and document why each expense was necessary. Our ALE worksheets help track and maximize this coverage.
For total loss, create a detailed room-by-room inventory with specific descriptions, brands, models, and replacement costs. Instead of "TV," write "Samsung 65-inch QLED Smart TV Model QN65Q80B." Include purchase dates, receipts if available, and photos. Our inventory worksheets guide you through this process with category-specific prompts for maximum recovery.