Neighbor’s Fire Smoke and Water Damage Claim In San Francisco

The loss

A fire that started in an adjacent property led to significant smoke infiltration and water damage from firefighting efforts. While some damage was visible, soot and water had penetrated concealed spaces—creating risks for odor, ongoing contamination, and secondary damage.

Our approach

1. Comprehensive inspection: Room-by-room documentation and moisture/smoke testing to reveal concealed damage.
2. Expert coordination: Partnered with restoration pros to scope remediation and realistic repair timelines.
3. Evidence-backed claim: Prepared a defensible claim reflecting both mitigation and repair needs.
4. Relentless negotiation: Presented the documentation and negotiated until the carrier agreed to a materially fair settlement.

Outcome

We increased the client’s recovery from $14,039.11 to $116,248.87, funding complete remediation, repairs, and odor remediation so the family could safely return home.