Independent fire insurance loss assessors on your side

Trusted fire insurance claims advice for homeowners dealing with fire and smoke damage, water damage and disruption after a house fire. We handle the claim, negotiate with the insurer on your behalf and oversee the repair process until your home is restored.

Start your claim

A house fire insurance claim can include:

Structural fire damage
Smoke and soot contamination
Water damage from firefighting
Damaged contents and belongings
Alternative accommodation costs
Electrical and hidden damage

See full claim scope

Regulation

FCA Authorised · Ref 305956

Experience

20+ years · Founded 2003

Response

24/7 support · On site within 24h

Structural fire damage

Damage to walls, ceilings, roofs, flooring, kitchens, bathrooms, internal finishes and other parts of the property affected by the fire.

Smoke contamination

Smoke damage can affect areas far beyond the original fire, including bedrooms, hallways, furnishings and personal belongings.

Soot residue

Soot residue can continue to damage surfaces, electronics and appliances long after the fire has been extinguished.

Water damage from firefighting

Water used by the fire service can cause secondary damage to ceilings, flooring, electrics and surrounding rooms.

Contents and personal belongings

Furniture, clothing, electronics and valuables damaged by fire, smoke, soot or water.

Electrical damage

Hidden damage to wiring, fuse boards and electrical systems that may not be immediately visible after the fire.

Alternative accommodation

Costs of temporary accommodation if the property is unsafe or uninhabitable during repairs.

Make-safe and emergency works

Emergency boarding up windows, securing the property, debris removal and immediate safety works following the fire.

Drying & restoration works

Our trusted experts will carry out all repairs to the highest standards, providing the necessary certificates and warranties upon completion.

Hidden risks

The biggest problems after a fire aren’t always immediately visible

After a fire, most people focus on the obvious damage first. But smoke, soot, and water can continue to affect the property long after the fire has been extinguished.

Hidden damage in walls, ceilings, insulation, and electrical systems is often missed early on, especially when the property appears structurally intact. Smoke odours and contamination can also spread throughout the home, affecting rooms that were nowhere near the original fire.

We assess the damage fully before anything is agreed with the insurer.

1

Free property visit and policy review

We inspect the property as soon as it is safe, review your insurance policy and identify risks linked to smoke spread, hidden damage and accommodation cover.

2

We take over the claim

Once appointed, we deal directly with your insurer and their loss adjuster, manage communications and assist with arranging any specialist reports to support the claim.

3

Full assessment of the damage to your property

We document the full impact of the fire on your property, belongings and living arrangements so nothing important is missed from the claim.

4

Negotiation and claim settlement

We challenge low valuations and disputed items to help secure a fair settlement for the damage caused to your home and belongings.

5

Repairs and reinstatement

Our vetted contractors can manage the reinstatement works from start to finish, with your approval at every stage of the process, until your home is fully restored.

Need house fire insurance claim help?

Tell us what happened – we’ll come back within 1 working hour. Free consultation, no obligation.

Start your claim

Call 0151 632 6050

Recent settlements

+30–50% above insurer’s first offer

Range achieved across recent claim settlements. We treat each claim on its own merits – and never settle for the first number on the table.

Founder · Chartered Loss Adjuster

Talk to the founder

House fire claims are rarely as straightforward as they first appear.

By the time most homeowners contact us, they’re already dealing with smoke damage, water damage, temporary accommodation and pressure from the insurer to move quickly. Our job is to make sure the full impact on your home is properly assessed before anything is settled.

Rob Spence – Managing Director, Chartered Loss Adjuster.

Speak to Rob – 0151 632 6050

Frequently asked questions

Common questions after fire damage to your home

How long does a fire damage insurance claim take?

It depends on the extent of the damage. Smaller claims may settle within a few months, while major fires involving structural repairs can take considerably longer. Early involvement often helps reduce delays and keeps the claim progressing.

What should I do immediately after a house fire?

Only re-enter the property once the fire service confirms it is safe. Contact your insurer, take photographs where possible, and avoid throwing damaged items away before they have been assessed.

Does home insurance cover smoke damage?

In most cases, yes. Smoke contamination is usually included within a fire damage insurance claim, although insurers may dispute the extent of the damage. Smoke can affect furniture, clothing, decoration and electrical items throughout the property.

Can I claim for water damage caused by the fire service?

You can, as water damage caused while extinguishing the fire is normally included within the same claim and can often affect areas beyond the original fire damage.

Should I appoint a loss assessor before I claim fire insurance?

Early advice can help before you make a fire insurance claim, helping you avoid missing important damage, under-valuing losses or agreeing to settlements before the full impact of the fire has been properly assessed.

Will my insurance pay for alternative accommodation?

If your home is uninhabitable, most UK home insurance policies include cover for temporary accommodation while repairs are carried out. We help make sure these costs are properly included in the claim.

Do I need to deal with the insurer myself?

No, once appointed, we manage communication, evidence gathering and negotiations with insurance companies and their loss adjuster on your behalf.

Get in touch

Free, no-obligation consultation on your property fire damage claim.

Tell us briefly what happened and we’ll come back to you as soon as possible. If we can help, our FCA-regulated loss assessor will tell you honestly. If we can’t, we’ll point you in the right direction. We cover the North West of England and North Wales – and travel further than 100 miles when a claim warrants it.