Initial Insurance Assessment
The insurance company’s adjuster estimated the loss at $118,000, focusing primarily on visible fire damage and limited structural repairs. However, critical areas—such as smoke infiltration, HVAC contamination, and hidden structural compromise—were largely overlooked, significantly undervaluing the true extent of the damage.

ProMaxx Intervention
Before accepting the initial settlement, the homeowner contacted ProMaxx Public Adjusters. Our team immediately conducted a comprehensive forensic inspection, uncovering extensive smoke and soot penetration behind walls and ceilings, compromised electrical wiring from heat exposure, water damage from firefighting efforts affecting flooring and insulation, HVAC contamination requiring cleaning and partial replacement, and structural weakening in roof joists and load-bearing framing. We also engaged a licensed structural engineer and industrial hygienist to validate our findings and strengthen the claim.

Claim Strategy & Execution
ProMaxx developed a detailed, line-by-line reconstruction estimate that accounted for the full scope of damage. We documented code upgrade requirements specific to older Philadelphia rowhome construction, included additional living expenses (ALE) for the homeowner’s displacement, and compiled a comprehensive contents inventory of smoke-damaged belongings to ensure nothing was missed.

Final Outcome & Key Takeaway
The insurance company’s initial offer of $118,000 was ultimately increased to a final settlement of $342,500—representing a 190% increase. This case highlights how fire damage claims often extend far beyond what’s visible, and without expert representation, the homeowner would have accepted far less than the true value of their loss.