Rebuilding Starts with Support You Can Trust
Dealing with fire damage—whether from a major wildfire or a kitchen accident—is one of the most stressful experiences a homeowner or business owner can face. The loss often extends far beyond what’s visible. Smoke, soot, structural weakening, and even temporary relocation needs can turn recovery into an overwhelming process.
That’s where Chris and Jo Faber step in. With over 50 years of combined experience in insurance claims and legal claim analysis, they work directly with you to remove the stress of dealing with insurance companies and help you move forward with clarity and confidence.
Who We Help
Chris and Jo Faber’s experience helps clients navigate a wide range of fire damage challenges, from isolated kitchen accidents to widespread wildfire losses.
Homeowners
Recovering from a fire can mean more than just rebuilding. It means restoring peace of mind. We help homeowners account for smoke damage, structural issues, temporary relocation, and hidden risks that are often missed.
Business Owners
For business owners, downtime means lost income. We help document every loss, from damaged property to business interruption, and file claims that reflect the true impact to your operations.
Landlords
Multi-unit properties come with added layers of responsibility. We guide landlords through claims involving tenant displacement, common areas, and building system damage, ensuring everything is properly documented and recovered.
Did you Know: Fire claims often involve multiple types of damage such as structural, smoke, water, and contents. If any one of those is missed or underestimated, your settlement may fall short. We make sure nothing is left out.
Why Fire Damage Claims Are Often Mishandled
Fire damage claims are often more complicated than they appear. While insurance companies may respond quickly at first, they frequently miss or downplay key issues that can drastically affect your payout.
Here are four common tactics companies use to minimize compensation, along with how we help you avoid those setbacks:
Undervalue structural, smoke, and contents damage
Insurers often use outdated pricing or apply surface-level inspections that miss the true extent of fire-related destruction. We document each layer of damage and work with trusted experts to present a complete picture.
Deny coverage based on vague causes or exclusions
Fire claims can be partially denied due to disputes over the source or timing of the loss. We build a timeline, clarify the cause of damage, and reference specific policy language to support your claim.
Overlook water and secondary damage
Extinguishing a fire often causes significant water damage. We include cleanup costs, mold risks, and hidden structural deterioration that are easy to miss without detailed documentation.
Push quick settlements before all the damage is found
Fast offers may seem like relief, but they often fall short of what’s truly needed. We slow down the process just enough to ensure the full scope of damage is evaluated, helping you avoid costly surprises down the road.
Did you Know: In addition to fire damage, if smoke, soot, water, or contents are not fully documented, your payout may be thousands of dollars short. Having a certified public adjuster ensures nothing is missed.
How We Help After the Fire
Whether your property is a single-family home, multi-unit building, or business, we manage every step of your claim:
Full Damage Documentation
From visible structural damage to hidden smoke and water-related issues, we ensure everything is accounted for.
Policy Review and Guidance
Insurance language is complex. We review your policy in detail and explain your rights clearly, so you know exactly what’s covered.
Claim Filing and Negotiation
We handle all communications with your insurance company, ensuring your claim is thorough, timely, and presented with expert precision.
Additional Living Expenses (ALE)
Whether you’re a homeowner, business owner, or landlord, fire damage can make your property temporarily uninhabitable or unusable. We help you secure coverage for temporary housing, meals, relocation costs, and other displacement-related expenses, making sure you’re supported while your space is restored.
Compassionate Expertise from Start to Finish
Chris and Jo personally manage every claim, not a call center or a rotating team. You’ll get straightforward guidance, timely updates, and the reassurance that your claim is being handled by people who genuinely care. Their combined background in insurance claims and legal analysis means nothing in your claim is overlooked.
What to Do After a Fire: Expert Tips
If your home or business has been damaged by fire, here are a few key steps to protect your claim and aid your recovery:
1. Document Everything
Take photos and videos of all visible damage, including the exterior, interior, personal belongings, and any temporary repairs.
2. Avoid Cleaning Up Too Soon
It’s tempting to start cleaning, but removing debris before documentation could impact your claim. Wait until a professional assessment is done.
3. Request a Complete Copy of Your Policy
This ensures you have access to all coverage, including Additional Living Expenses (ALE) and replacement cost benefits.
4. Track All Expenses
Keep receipts for hotels, meals, clothing, pet boarding, and other essentials if you’ve been displaced. These may be reimbursable.
5. Contact a Public Adjuster Early
The sooner we’re involved, the sooner we can take over the heavy lifting and protect your claim from delays or undervaluation.
6. Don’t Assume the Insurance Company Is Right
Many claims are undervalued or misclassified from the start. Getting a second opinion can uncover missed items and maximize your coverage.
Did you Know: Public adjusters often uncover coverage benefits or damage categories that insurers initially overlook or leave out. Working with an advocate can make the difference between a partial payout and a full recovery.
Get Help With Your Fire Damage Claim
Don’t let the insurance company control your outcome. With over 50 years of combined experience, Chris and Jo Faber are here to guide you through the fire claims process and help you recover what you’re owed. Contact us today for a free, no-obligation review of your fire damage claim and take the first step toward rebuilding your home, business, or property with clarity and confidence.
Contact Us To Get StartedFAQs
Not always. Most policies cover fire and smoke damage, but there may be exclusions for certain causes, like negligence or specific structural issues. We review your policy to identify exactly what is covered and help you claim every eligible benefit.
Start by documenting everything—take photos and videos of the damage before moving anything. Save receipts for any immediate expenses and avoid cleaning up until a professional assessment is done. Then, contact a public adjuster to protect your claim from the beginning.
Yes, in most cases. Smoke and soot can cause major property and health issues even without direct fire damage. These are often overlooked or minimized in claims, so we ensure they’re fully documented and included.
You can, but it may be harder to prove the full extent of your losses. If cleanup has begun, it’s especially important to bring in a public adjuster to help reconstruct the timeline and recover what’s still possible.
That depends on the complexity of your claim and how cooperative your insurance company is. Some take weeks, others several months. We keep things moving and handle all communications to minimize delays.
Not without a second opinion. Many initial offers are based on quick inspections and don’t reflect the true cost to repair, rebuild, or replace. We often find that clients are owed significantly more.
