Welcome to ICC
We're Insurance Claim Consultants, and for 35 years we've been helping neighbors across North Carolina, South Carolina, and Georgia navigate fire damage claims. We handle everything—documentation, negotiation, settlement—so you can focus on getting back to normal. We're not here to dramatize what you're going through. We're here to help you fix it.
Ready to unlock your policy's full potential? Click the ICC logo below to talk with us live via phone or video. We're here when you need us.
Fire Damage Insurance Claims Guide
Why Choose a Public Adjuster for Fire Claims
Insurance companies have adjusters working for them—shouldn't you have someone working for you? A public adjuster is your advocate, working solely on your behalf to maximize your claim settlement. We know the tactics insurers use to minimize payouts, and we know how to counter them.
In 2024 alone, we helped an Augusta homeowner recover an additional $60,000 that their insurance company initially overlooked for smoke damage throughout their home. That's the difference an experienced public adjuster makes—we find what others miss.
What Fire Damage Insurance Covers
Most homeowners policies cover fire damage comprehensively, but understanding what's included is crucial:
- Structure damage: Repairs to your home's foundation, walls, roof, and built-in systems
- Contents: Furniture, electronics, clothing, and personal belongings destroyed by fire or smoke
- Smoke damage: Often invisible but extensive—in walls, HVAC systems, and throughout the home
- Water damage: From firefighting efforts, including mold that develops afterward
- Additional Living Expenses (ALE): Hotel, meals, and living costs while your home is uninhabitable
- Debris removal: Clearing and disposing of fire-damaged materials
A 2023 Charleston family we worked with recovered $75,000 for comprehensive fire and smoke damage that their initial estimate had significantly undervalued. Thorough documentation makes all the difference.
How to Document Fire Damage Properly
Documentation is your strongest tool in securing a fair settlement. Here's what we do for every client:
- Comprehensive photography: 300+ photos capturing every angle of damage
- Video walkthroughs: Room-by-room documentation showing the full extent
- Detailed inventory: Every damaged item with purchase dates and values
- Professional estimates: Multiple contractor bids for accurate repair costs
- Smoke testing: Air quality and hidden smoke damage assessment
We've learned through 35 years of experience that proper documentation can increase settlements by 30-40% on average.
City-Specific Fire Damage Resources
Fire risks and response resources vary by location. We've created detailed guides for 21 cities across North Carolina, South Carolina, and Georgia, including local fire department contacts, restoration companies, and region-specific claim strategies:
North Carolina
South Carolina
Securing Your Property After Fire Damage
Immediately after a fire, protecting your property from further damage is critical—and it's covered by your insurance:
- Board up windows and doors to prevent weather damage and unauthorized entry
- Tarp the roof if fire or firefighting damaged it
- Document everything before cleanup begins
- Preserve damaged items for adjuster inspection
- Claim Additional Living Expenses for temporary housing
In 2024, we helped an Atlanta family secure $8,500 in ALE coverage for three months of temporary housing while their fire damage was repaired. We connect you with trusted emergency restoration contractors across North Carolina, South Carolina, and Georgia.
Common Fire Claim Mistakes to Avoid
We've seen these mistakes cost homeowners thousands:
- Accepting the first offer: Initial estimates often miss 30-40% of actual damage
- Throwing away damaged items: Keep everything until the adjuster inspects
- Starting repairs too soon: Document first, repair after
- Not claiming smoke damage: It's often more extensive than visible fire damage
- Underestimating contents value: Most families have $75,000-$100,000 in belongings
- Missing deadlines: Most policies require prompt notification
Don't navigate this alone. ICC has recovered over $18.7 million in denied or undervalued claims for homeowners just like you.
How ICC Helps You Recover
As your public adjuster, we handle every aspect of your fire damage claim:
- Free initial consultation to review your policy and damage
- Comprehensive damage assessment with professional documentation
- Detailed claim preparation with accurate repair estimates
- Direct negotiation with your insurance company on your behalf
- Maximum settlement recovery for structure, contents, and living expenses
- Contractor coordination to ensure quality repairs
We work on a contingency basis—we only get paid when you do. No upfront costs, no risk to you.
Ready to get started? Call us at (864) 497-2151 or click the ICC logo to start a conversation. We're standing by to help you recover what you deserve.
