Fire or Smoke Damage Claim?
Lies, Denies, and Delays. Don't Let the Insurance Company Wear You Down.
Electrical fire, kitchen fire, smoke and soot, total loss. A public adjuster works for you, not the insurance company. We document the real damage including HVAC, attic contamination, and contents the carrier’s adjuster missed, so you recover what your policy actually owes.
- Licensed Public Adjusters
- Free Claim Review
- No Fee Unless We Recover Money
100% Free · No Obligation · Confidential
Free Claim Review
Call for a free water damage claim review
No Upfront Cost
We Don't Get Paid Unless We Win!
$700+ Million
Recovered for Clients
7,000+
Claims Handled
15+ Years In Business
Almost Two Decades Fighting
Featured claim result
The carrier paid $390,000. We recovered an additional $217,500.
Fire Damage · Total Loss
Total-loss attic fire. The carrier wrote a check. We documented the rest of the damage and got the supplement.
$390K
$607.5K
The carrier issued a check on a total-loss attic fire. Blueprint Claims documented the smoke contamination, structural scope, and contents that the carrier missed, then filed a supplemental claim and recovered an additional $217,500.
"Frank immediately got on my claim and made sure we were treated fairly. As soon as Blueprint got involved, things started moving positively."
Verified Google Review
Additional case results
This isn't a one-off. Here are more recent cases.
Real claims we've handled across electrical fires, kitchen fires, smoke and soot losses, and total losses.
Loss typeRecovered
Whole-Home Electrical Fire
Whole-home electrical fire; structure and contents loss
$403K
Top-Floor Electrical Fire
Top-floor electrical fire; smoke and structural damage
$325K
Hurricane-Driven Fire
Storm-related fire; structure and contents
$307K
Total-Loss Home Fire
Total-loss fire; structure and contents
$298K
Rental Property Fire
Tenant-occupied rental; fire and smoke damage
$191K
How it works
Don't File Your Fire Claim Alone. Call us first.
The first 48 hours decide what gets paid. Once the carrier's adjuster does the inspection on their terms, the contents inventory is short, the smoke gets called cosmetic, and the ALE clock is already running. Most fire victims call a public adjuster three months in, when the file is already broken. Call us first.
The 4-step process
Step 01
Call Us Before You Call the Insurance Company.
We get on site first, document the real scope of damage from day one, and make sure nothing gets thrown out, written off, or missed.
Step 02
We Review Your Claim and Policy.
We assess the damage, review your policy, and determine whether the insurance company's position can be challenged. Cause of loss, scope, and what they missed.
Step 03
We Document and Negotiate.
We document the smoke contamination in HVAC, attic, wall cavities, and contents that the carrier's adjuster won't see in a 30-minute walkthrough. Independent estimates, photos, and a contents inventory built right.
Step 04
Claim Resolved. You Get Paid.
Your claim resolves and you receive funds for repairs. We can also refer you to qualified, licensed contractors if you need one.
Call Now for a Free Claim Review
Free Claim Review · No Upfront Cost · Only Pay If We Win
You weren't imagining it
The first insurance estimate often misses damage.Here's why, and how to fix it.
Carrier inspections are often fast, focused on what's visible. A public adjuster documents what gets missed and challenges low or denied estimates. Watch both sides.
The evidence
▶ 60 Minutes investigation
13 MIN
The fix
▶ Why Fire Damage Is Worse Than It Looks
1 MIN
Their adjuster vs yours
Their adjuster works for them.A public adjuster works for you.
Both are licensed. Both are called "the adjuster." Only one is on your side.
On your side
Your Public Adjuster
Licensed. Works only for you.
- ✓Works for you, not the insurance company
- ✓Documents the full scope including smoke contamination in HVAC, attic, wall cavities, and contents
- ✓Reviews your policy for every coverage you're owed
- ✓Builds a detailed estimate based on real repair costs
- ✓Negotiates directly with the carrier for the full amount
- ✓Only gets paid when you get paid
Not on your side
Their Insurance Adjuster
Works for the insurance company.
- ✗Paid by the insurance company, not by you
- ✗Inspects what's visible and moves fast, hidden damage often gets missed
- ✗Uses carrier pricing, not what repairs actually cost
- ✗Can call smoke damage "cosmetic" or push partial-loss labels
- ✗First offer reflects what's easy to document, not your full loss
- ✗Coverage decisions favor the insurer
VS
Meet the team
Meet some of the adjusters.
A few of the licensed public adjusters on our team. When you call, you're connected with the adjuster who handles your claim from start to finish.
▶ Watch
Michael Zebold
Co-Founder & Senior Public Adjuster (SPPA)
Nearly two decades representing property owners in underpaid, delayed, and denied insurance claims.
▶ Watch
Arthur Camayd
Co-Founder, Licensed Public Adjuster & General Contractor
Brings hands-on construction knowledge to claim documentation, scope review, and insurer negotiations.
▶ Watch
Frank Nunes
Senior Public Adjuster
Recovered nearly $200,000 above the insurer's initial offer for one client. Known for detailed documentation and claim scope expertise.
▶ Watch
Tony
Public Adjuster, 7 Years at Blueprint
Extensive experience handling complex property damage claims. Known for thorough documentation and clear communication.
Local five-star reviews
Real reviews from real clients.
Blueprint Claims has earned five-star reviews from property owners we've helped with denied, delayed, and underpaid insurance claims.
R
Rafael Espinosa
★★★★★
"Blueprint was able to negotiate the exact dollar amount I was looking to get paid out."
I had an excellent experience with Blueprint. I had a water damage issue at my home, and from the very beginning, the team was professional, responsive, and supportive.
N
Nadine Clarke
★★★★★
"They were able to get FOUR times the amount the insurance company originally offered me."
After trying to handle the claim myself for almost 2 years, I came across these guys. Honestly, I wish I would have reached out to them from day one.
C
C. Thomas
★★★★★
"You are the best adjuster! May God continue to open doors for you."
I am so grateful and happy with the team for everything they did to help us with our plumbing claim. Thorough, kind, and effective.
J
Jose Lopez
★★★★★
"The entire staff are very effective, professional, prompt and work wholeheartedly."
From the moment I sought their assistance handling my condo's water damage claim that was denied by my insurance until settlement, I'm very grateful.
Don't Let the Insurance Company Wear You Down.
Free claim review. No upfront cost. Only pay if we win. Every day you wait, the carrier builds the paperwork for their lowball offer.
✓ Free Claim Review · No Upfront Cost · Only Pay If We Win
Common Questions
Property Owners Ask About Fire Damage Claims
Whether your fire damage claim was denied, your settlement was too low, or you just had a fire and don't know where to start, these FAQs cover what you need to know about hiring a public adjuster for your fire damage claim.
Yes. The first 48 hours after a fire matter. We help you document everything before the insurance company's adjuster shows up and starts the inspection on their terms. Free claim review. No fee unless we recover money.
Less than you think. The carrier's adjuster works for the insurance company, not for you. Anything you say can shrink your claim. Let us handle the inspection so the damage gets documented properly, including the smoke contamination in HVAC, attic, and contents that adjusters routinely miss.
In almost every case, yes. Smoke and soot are part of fire damage even when nothing visibly burned. The fight is usually over how much, not whether. Insurers try to call it cosmetic or "just clean it" to keep payouts low. We document the real cost of professional remediation and replacement.
Nothing upfront. We work on contingency. If we don't recover money for you, you pay nothing. No fee unless we win.
No. Most fire claims can be reopened, supplemented, or appealed long after a denial. We review the denial letter, find what the carrier missed, and rebuild the claim from the ground up. Free review either way.
A lot. "Cosmetic" is one of the most common ways insurers shrink fire claims. Soot is acidic and corrodes electronics, HVAC components, and surfaces over time. Permanent odor lives in framing and drywall. We bring in independent estimates that capture the real remediation and replacement cost, not the carrier's "wipe it down" version.