Old Dominion Public Adjusters
(804)307-2247
Old Dominion Public Adjusters
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Fire & Smoke Damage Claims

After a fire, the damage isn’t always obvious—smoke intrusion, soot contamination, odor, and water from suppression can create hidden losses across your home and belongings. Old Dominion Public Adjusters documents the full scope, prices the loss accurately, and negotiates directly with your insurance company so you’re not left underpaid or rushed.

Claim documentation, policy review, and settlement negotiation
FIRE & SMOKE DAMAGE CLAIMS

Fire & Smoke Damage Claims Need a Full-Scope Approach

After a fire, many losses are hidden behind walls, inside HVAC systems, or embedded into contents through soot and odor. Insurance claims can also miss critical line items—especially when the focus stays on the obvious burn area and not the full impact across the structure, contents, and cleanup requirements. Old Dominion Public Adjusters helps policyholders document every category of damage, align the claim with the policy, and negotiate for a settlement that supports real recovery.

Documentation • Valuation • Negotiation • Settlement review
Fire and smoke damage assessment and claim support

What We Handle for Fire & Smoke Damage Claims

Fire losses rarely stop at the visible char. Smoke can spread through attics, crawlspaces, wall cavities, and ductwork. Soot can stain and corrode surfaces and electronics, while firefighting water can cause secondary damage and microbial risk. We build a claim that reflects the full, supportable scope—so repairs and replacement align with what it truly takes to restore the property.

Soot & smoke residue Odor remediation HVAC / duct contamination Water from suppression Contents & personal property Debris removal & cleaning Temporary living expenses
  • Damage documentation: Room-by-room scope with photos, measurements, and notes for structural, cosmetic, and hidden impact.
  • Contents evaluation: Inventory, condition assessment, and pricing so personal property losses are fully accounted for.
  • Cleaning and mitigation scope: Soot cleanup, odor remediation, and specialized methods where needed (materials, surfaces, and systems).
  • Policy alignment: Review coverages, limits, and requirements to support a compliant and thorough submission.
  • Claim preparation and submission: Organized estimate/scope package that reduces back-and-forth and helps prevent missed items.
  • Negotiation and settlement review: Communicate with the carrier, respond to questions, and review offers before you sign.

If your claim involves smoke odor that won’t go away, soot staining, damaged insulation, compromised HVAC components, or electronics exposure, those details matter. Our job is to ensure they are clearly documented and properly valued.

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FAQs

Public adjuster questions homeowners ask most.

Tap a question to see the answer. If you’re dealing with a claim right now, use the button below to request a consultation.

Contact Us
Old Dominion Public Adjusters claim support
We document, estimate, and negotiate so you don’t have to.
A public adjuster represents the policyholder, not the insurance company. We help document damage, prepare a detailed claim, and negotiate the settlement so your claim is handled accurately.
Call as early as possible after damage occurs, especially for fire, water, storm, or large/complex losses. Early involvement helps protect evidence, improve documentation, and avoid missed items.
No. We work for you, the policyholder. Our job is to advocate for a fair, well-supported outcome based on your policy and the full scope of damage.
We assist with fire and smoke damage, water and flood damage, wind/hail/storm damage, and other covered property losses. If you’re unsure, request a consultation and we’ll review the situation.
You can still bring us in. We can review what has been submitted, identify missing line items, strengthen documentation, and help with supplements or negotiations if needed.
We inspect and document damages, build a detailed estimate, organize claim evidence, communicate with the carrier, and negotiate the settlement based on your policy coverage.
The goal is usually the opposite: reduce back-and-forth by submitting organized documentation and a clear scope. Timelines still depend on the carrier, but strong documentation helps keep things moving.
Yes, when appropriate. We help point out documented damages, clarify scope questions, and ensure the inspection reflects what’s actually present at the property.
Save photos/videos of damage, receipts, repair invoices, temporary housing costs (if applicable), and any communication with the carrier. If you have a contractor estimate, keep that too.
Do what’s necessary to prevent further damage (temporary mitigation), but document everything first. For permanent repairs, it’s best to coordinate timing so the full scope is recorded and supported.
Yes. We can review the carrier’s estimate, compare it to the actual scope, and prepare additional documentation and supplements when warranted.
Typically, public adjusters are compensated based on a fee structure outlined in an agreement. During your consultation, we’ll explain how it works and what to expect before you decide.
Not necessarily. If important items are missing or the scope is incomplete, the claim can often be supported with additional documentation. We help identify gaps and present a clear, evidence-based supplement.
Timelines vary by loss type, documentation needs, and carrier response. The best way to reduce delays is to submit a complete scope, photos, and supporting information early.
Prioritize safety, stop additional damage if possible, take photos/video, and start a notes log of what happened and when. Then request a consultation so we can guide next steps.
We help policyholders document, value, and negotiate property damage claims with clarity and confidence.
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Claims We Can Handle
Water & Flood Damage Fire & Smoke Damage Storm Damage Mold Damage
Contact
We’re available by phone
(804) 307-2247
Email
jason@olddominionpa.com
Address
Office: 7619 Pocoshock Way
Opening Hours

Mon – Sat 9:00am – 8:00pm
Sunday CLOSED

Important Business Information

Public Adjuster License: 1112275
DPOR Contractor License: 2705-134758 (Class A)
Real Estate Broker License: 0225-086348
Asbestos Supervisor License: 3302012620

Certification Through The IICRC

Flooring: CCT, CRT, RRT, UFT, JCT
Water Damage: WTR, ASD, JCT, MWR
Mold: AMRT
Fire Damage: FSRT, OCT, JFR, MFR
Health & Safety: HSTEQ

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