Fire Damage Extends Beyond What Was Burned.
The visible damage is only one part of a fire loss. Smoke, soot, and water often affect materials throughout the property—even in areas untouched by flames.
✓ Licensed and bonded. View
✓ Fire, smoke, and soot damage
✓ Additional living expenses and personal property losses
✓ No upfront cost — we only get paid if we win
✓ Free claim review and inspection
Licensed & Bonded • No Upfront Fee • ★★★★★ Google Reviews •
Licensed & Bonded • No Upfront Fee •
★★★★★ Google Reviews •
Signs There May Be More Damage Than You Realize
Fire Damage
Smoke Damage
Soot Residue
Water Damage
Hidden Moisture
Odor Contamination
Mold Growth
Fire Damage
Smoke Damage
Soot Residue
Water Damage
Hidden Moisture
Odor Contamination
Mold Growth
If you've noticed one or more of these signs, hidden damage may be affecting your property.
A closer evaluation could make a significant difference.
Fire Losses Affect More Than The Areas Touched By Flames.
Heat, smoke, soot, water, and contamination often impact materials, systems, and belongings throughout the property.
Ceiling & Attic
Wall Coverings
Personal Property
Vents & HVAC
Exterior Finishes
Fences & Other Structures
Average Payout Increase of
747%!
Average Payout Increase of
747%!
Who's Really Representing You?
One adjuster works for the insurance company. The other works for you.
Insurance Adjuster
✗ Limited time on site
✗ Inspects visible damage
✗ Mold may be noted – not tested
✗ Report reflects insurance's interest
✓ Thorough inspection
✓ Documents hidden damage
✓ Mold risk and remediation scope
✓ Report based on full restoration
Bellmore Adjuster
What Most Property Owners Learn Too Late
There's No Fire Without Smoke Damage
Smoke infiltrates HVAC systems, walls, attics, and contents throughout the property – not just the area of origin. Most initial assessments document the fire damage and stop there.
Additional Living Expenses Are Often Left Out
If your home is uninhabitable after a fire, your policy likely covers hotel costs, meals, and other living expenses. These are real dollars your insurer owes you and rarely volunteers.
Deadlines Apply — But So Do Your Rights
Insurance policies have strict claim filing and supplemental deadlines. Missing them can limit your options. Acting quickly with proper representation protects them.
You Do Not Have to Navigate This Alone
A licensed Bellmore adjuster reviews your policy, thoroughly documents the damage, and handles every conversation with the insurer – at no upfront cost to you.
What Happens After You Reach Out?
From initial review to claim resolution, we guide you through every step of the process.
Free Claim Review
STEP 1
Tell use what happened and your claim status. We'll review your policy and claim.
01
Property Inspection
STEP 2
We evaluate the damage and identify areas that may require further attention.
02
Document Damage
STEP 3
We compile information needed to properly present your loss.
03
Claim Representation
STEP 4
We manage communication and negotiations throughout the process.
04
Resolution
STEP 5
We work toward a fair outcome so you can focus on moving forward.
05
Free Claim Review
STEP 1
Tell use what happened and your claim status. We'll review your policy and claim.
01
Property Inspection
STEP 2
We evaluate the damage and identify areas that may require further attention.
02
Document Damage
STEP 3
We compile information needed to properly present your loss.
03
Claim Representation
STEP 4
We manage communication and negotiations throughout the process.
04
Resolution
STEP 5
We work toward a fair outcome so you can focus on moving forward.
05
Average Payout Increase of
747%
Real Claims. Real Recoveries.
Neighboring House Fire
Fire & Smoke Damage
Claim Details
-
Melted siding and soffit
-
Shattered windows
-
Interior smoke damage
-
Walls, carpet, doors
-
-
Personal property damage
-
Furniture, electronics, clothes
-
-
Temporary housing required
Initial Insurance Payment
-
$5,000
$141,880.51
Home Office Fire
Residential Electrical Fire
Cause of Loss
-
Electrical outlet fire
Scope of Damage
-
Direct fire damage – drywall, flooring, doors, attic insulation, broken windows
-
Smoke damage – interior and exterior
-
Personal property damage
-
Required temporary housing
Insurance's First Offer
-
$28,884.77
$174,848.86
Toilet Supply Line
Residential Water Line Break
Cause of Loss
-
Water line break, partial flood, and advanced mold bloom
Claim Details
-
Home was uninhabitable
-
Recovered mitigation, remediation, restoration, and living expenses
$83,000
Smoke and soot travel through every connected room, every duct, every cabinet. Fire damage claims that focus only on the area of origin dramatically underestimate the full loss. Insurance companies know this — but their initial estimates often reflect only what is visually obvious.
Bellmore's fire claim documentation is thorough: room-by-room, surface-by-surface, item-by-item. We include structural damage, HVAC contamination, content replacement, and temporary housing costs. Every coverage available under your policy gets examined.
If your fire claim has been denied or underpaid, contact us immediately. Fire claim disputes are time-sensitive and require expert documentation to succeed.
A Fire Claim Is Not Just the Burned Area — It's the Entire Property
What We Do For You
From the first inspection to the final settlement — we handle everything while you focus on recovery.
Our expert adjusters inspect your property, take photos, measurements, and document every detail of the loss to ensure all of your property damage is accounted for.
We file your claim or submit all supplemental documentation if you already filed. Our licensed adjusters ensure every element of your loss is documented before a single negotiation begins.
We coordinate every insurance inspection, communicate directly with your insurer, and keep you informed at every step.
You don't have to deal with the insurance company at all — that's our job. We'll save you time, money, and stress.
We prepare a comprehensive estimate based on the full scope of work needed to get your property back to pre-loss conditions.
Leveraging the estimate, we negotiate directly with the insurance company to recover the maximum settlement your policy allows.
Not Sure Which Route to Take?
After property damage, most owners have three options. Here is what each one actually means for your claim.
Handle the Claim Yourself
You manage every step of the claims process directly with your insurance company — no expert in your corner.
✓ No representation required
✗ Manage the claim yourself
✗ Document visible and hidden damage
✗ Track claim deadlines
✗ Negotiate against a professional
✗ Increased time and stress
Hire an Attorney
A property insurance attorney can represent you in disputes — particularly useful when a claim reaches litigation.
✓ Legal representation
✗ Higher fees – typically 33%
✗ Not trained to assess damage
✗ Longer resolution times
✗ May involve litigation
✗ Infrequent updates
Hire Bellmore Public Adjusting
We work exclusively for you — handling documentation, negotiation, and every interaction with the insurance company on your behalf.
✓ Fully assess the damage
✓ Manage the entire claims process
✓ Handle the negotiations
✓ No fees unless you get paid
✓ Keep you informed throughout
What Our Clients Say
"My insurance adjuster did a minimum to help me out. Another adjusting company refused, saying my
deductible was too high to work with. Bellmore showed up right away, quick communication, and best results. Now I have a new roof and lots of repairs paid by insurance that wanted to pay me $0."
— Mindaugas G., Bradenton
"Our homeowner's insurance didn't cover the damage. Bellmore was persistent and obtained the pool company's
insurance policy. The insurance company sent our claim to their attorney — Bellmore negotiated a settlement to get exactly what we needed. Truly a professional service, excellent communication, and a great outcome."
— Mehrshad Y., Maitland
"Bellmore was very knowledgeable and informative. Any issues or questions I had, they were timely with getting back to me and clarified all concerns I had. I would highly recommend them to anyone having to deal with insurance adjusters and appraisers."
— Angel M., Winter Garden
We negotiate with the insurance company on your behalf
Frequently Asked Questions
A: A standard homeowners policy typically covers: structural repair or replacement, smoke and soot remediation throughout the property, personal property replacement, additional living expenses (hotel, meals, temporary housing) while your home is uninhabitable, and in some cases, loss of use. Bellmore helps you document and claim every applicable coverage.
A: Yes — and do not stop documenting your temporary living expenses. Keep every receipt for hotel, meals, and out-of-pocket costs related to your displacement. These are typically reimbursable and often under-claimed.
A: Call us immediately. Fire claim denials are often based on arson suspicions, policy exclusions, or timing issues. We review the denial language and your policy, identify what was applied incorrectly, and determine the best path forward.
A: Do not allow any restoration work to begin until Bellmore has done a thorough documentation inspection. Once damage is repaired, the evidence is gone and your claim options narrow significantly. Call us first.
A: Fire claims are among the most complex and typically take longer than other claim types. Bellmore will give you a realistic timeline during your free review and will keep you informed throughout the process.
Ready to talk? Call (844) 943-MORE
After a Fire, You Need an Expert in Your Corner.
Free inspection · No upfront cost · Licensed & bonded · New, underpaid, and denied claims
Or call us directly: (844) 943-6673
We will inspect your property, take photos, and measurements, and document every detail to ensure everything is accounted for.
We will file your claim for you or submit all supplemental documentation if you already filed.
