Fire & Smoke Damage Claims in New England

A commercial fire causes structural damage, pervasive smoke and soot contamination through the building and its systems, water damage from suppression, and destruction of inventory, equipment, and records. On top of the physical loss sits business interruption — the revenue you lose while you can't operate, plus the extra expense of operating from a temporary location.

A complete claim covers structural repair, smoke and odor remediation, contents and equipment, code upgrades, and a properly built business-interruption and extra-expense claim.

Insurers underpay commercial fire claims by localizing the smoke damage, depreciating contents and equipment, disputing odor and systems remediation, and — most significantly — minimizing the business-interruption period and calculation. The longer and more complex the shutdown, the more room there is for the carrier to underpay the income loss.

We scope the entire physical loss and build the business-interruption claim from your financials, documenting both the revenue loss and the extra expense of keeping the business running. We manage the carrier's experts and accountants, and we fight the "back to operating sooner than reality" pressure that shrinks BI recovery.

For a business, a fire’s biggest cost is usually the downtime. We document the structure, smoke, and contents — and build the business-interruption claim that makes you whole for the income you lose.