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steve.madden@fpa.us
2121 Avenue of the Stars, Suite 800, Century City, CA 90067
(855) 441-6031
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Smoke Damage Insurance Claims for Commercial Properties

Smoke Damage Insurance Claims for Commercial Properties

Smoke damage can have a serious impact on your business, even if a fire never touches the building itself. Smoke can spread quickly and leave behind stains, odors, and toxic particles that affect your walls, ceilings, HVAC systems, inventory, and equipment. It can also create health risks for employees and customers. Filing a commercial insurance claim for smoke damage might sound simple, but many business owners run into delays, confusion, or low settlement offers. That’s where we come in.

Why Smoke Damage Claims Are Tough for Businesses

Filing a claim for smoke damage in a commercial property can be tricky. Here are a few of
the most common challenges business owners face

1
Hidden Smoke Contamination
Smoke can settle into walls, ceilings, furniture, air ducts, and electronics. Without a detailed inspection, this damage is often missed or underreported.
2
Operational Downtime
If your building isn’t safe or clean, you might have to close temporarily. That means lost income and frustrated customers.
3
Limited Policy Coverage
Some policies only partially cover smoke damage or include exclusions. Knowing exactly what’s covered is essential.
4
Low or Delayed Payouts
Insurers may try to minimize the damage or take too long to process your claim. That delays cleanup, reopening, and revenue recovery.

At Forensic Public Adjusters, we know what it takes to move your claim forward and get
your business back on track.

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What is a Public Adjuster
When disaster strikes, such as a fire, flood, or storm, homeowners often face overwhelming....
Why Hire FPA
When disaster strikes, such as a fire, flood, or storm, homeowners often face overwhelming....
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24/7 at (855) 441-6031 for a free consultation and let our experts fight for your recovery.
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Settle your property damage insurance claim faster with Forensic Public Adjusters, Inc.
At Forensic Public Adjusters, Inc.

How We Help with Commercial Smoke Damage Claims

At Forensic Public Adjusters, we manage the full claims process so you don’t have to. Our
team knows how to handle commercial policies and smoke damage claims with precision
and care. Here’s how we help

1

INSPECTION

We inspect your entire business property, from top to bottom. We look for visible and hidden damage in walls, ceilings, vents, and equipment. We document everything clearly to support your claim.

2

VALUATION

We calculate the real cost of your loss, including cleaning, restoring air quality, replacing inventory, and covering business interruption. We also analyze your policy to make sure nothing is left out.

3

NEGOTIATION

We take over communication with your insurance provider and push for a fair and full settlement. You can focus on running your business while we handle the insurance side.

4

SETTLEMENT

We aim to get you the maximum settlement in the shortest amount of time. Our goal is to help you reopen and recover without delays or financial setbacks.

Get Expert Help Now – Fast, Hassle-Free Fire Damage Claims!

Fill out the form below, and our team will reach out to assist you ASAP!

Your Business Deserves a Fresh Start

Smoke damage shouldn’t hold your business back. We’re here to make sure your
insurance claim is properly handled and your business gets what it needs to recover
quickly and fully.

Let’s Talk About Your Claim

We’re available 24/7. Call us anytime at (855) 441-6031 for a free consultation. We’ll walk
you through the next steps and start fighting for your business right away.Your home is your sanctuary – let’s restore it the right way!

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Frequently Asked Questions

FAQ’S

Does commercial insurance cover smoke damage?
In most cases, yes. Smoke damage is usually covered under property insurance or a
separate fire/smoke rider. We’ll review your policy and let you know exactly what’s
included.
What if the smoke didn’t come from a fire on my property?
You may still have a valid claim if smoke from a nearby fire affected your property. It
depends on your policy terms, which we’ll help you review.
How long does it take to settle a smoke damage claim?
It depends on the size of the damage and the insurer’s process. With our team on your
side, we’ll work to speed things up and avoid unnecessary delays.
Can I claim business interruption losses too?
Yes, if your policy includes business interruption coverage, we’ll help you include that in
your claim for lost income and additional expenses.
Why should I work with a public adjuster?
Because we work for you, not the insurance company. We make sure your damages are
fully documented, your policy is used to its full advantage, and your business gets the
compensation it truly needs.

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    We are insurance claim experts. Our mission is clear: to level the playing field for policyholders and tilt the scales in our client’s favor by providing insurance claim guidance and superior claim strategy with unwavering advocacy throughout the entire claims process.

    Contact Info

    Mon - Fri : 8:00 -16:00
    (562) 441-6031 (Cell Phone)
    (855) 441-6031 (Office)
    (855) 805-6306 (Fax)
    (855) 441-6031 (24 Hour - Toll Free)
    steve.madden@fpa.us

    Office Address

    2121 Avenue of the Stars, Suite 800, Century City, CA 90067
    225 County Road 2254, Valley View, Texas 76272