Why these claims get underpaid
Insurers often propose a quick cleaning when the residue calls for more: replacing insulation, cleaning or replacing HVAC systems, sealing or replacing porous materials, and professional testing. Homes miles from the flames can be affected.
Building a stronger smoke claim
- Ask whether the insurer performed any testing, and request the results
- Consider independent environmental or industrial hygiene testing
- Keep notes on odors, symptoms and visible residue
- Don't throw out affected items until they are documented
- Keep cleaning invoices and air purifier receipts
Questions we hear
The insurer says a cleaning is enough, but my home still smells. What can I do?
You can ask for re-inspection and testing and support your position with independent findings. If the insurer refuses to take a fair look, that can become part of a bad faith claim.