Fire / Smoke Damage
Fire, smoke, and soot damage can spread fast—and so can claim complications. We help document every loss and pursue the settlement you need to recover.
Schedule A ConsultationFire, smoke, and soot damage can spread fast—and so can claim complications. We help document every loss and pursue the settlement you need to recover.
Schedule A ConsultationA fire can damage far more than the areas touched by flames. Smoke and soot can travel through HVAC systems, stain walls and ceilings, ruin insulation, and permanently damage furniture, clothing, and electronics. Water used to extinguish the fire can also lead to additional loss—warped floors, damaged cabinets, and moisture issues that show up days later.
For homeowners, the claim process is often confusing and time-sensitive. Inspections can be rushed, estimates may overlook smoke/soot remediation or contents cleaning/replacement, and you may face repeated requests for documentation while you’re trying to secure the property and make decisions quickly.
Lightman & Fields represents policyholders—not insurance companies. We help identify the full scope of fire, smoke, soot, and water-related damage, document the loss, and present a clear, well-supported claim so you’re positioned for a fair settlement.
A public insurance adjuster works for you—the policyholder. Our focus is building a strong claim and pursuing a fair, equitable outcome based on the true scope of damage and what it takes to repair and replace what was lost.