Warrick County, Indiana
Boonville Fire Public Adjuster: $644,301 in Replacement Cost on One House Fire
After a house fire in Boonville, your insurance company already has an adjuster working for it. Claim Management Adjusters (CMA) works for you. We are a licensed Indiana public adjusting firm based in Hartford City, in southern Indiana near Evansville, and fire claims are most of what we do.
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Why fire claims get underpaid
The first estimate on a fire claim usually covers the burned room and not much more. Smoke and soot spread through HVAC ducts, wall cavities and attics. Water from the fire hose soaks floors and drywall far from the fire. Code upgrades, demolition, debris removal, contents and additional living expenses are easy to undercount when the carrier writes the scope by itself.
Real Boonville-area claims we have handled
These are summaries from CMA claim files. Names, addresses and claim details are left out to protect our clients. Every claim is different, and past results do not guarantee a future outcome.
October 2022 house fire: home, contents and garage
We were hired a few months after the fire, with the contents claim not yet started. We got the insurer’s list from an earlier claim on the same home, repriced every line for inflation, and added recently bought items. We then wrote up the garage and the items outside the house that the family had not listed at first, and kept pressing for payment and for release of the held-back depreciation.
Result: $644,301 in total replacement cost: $401,688 for the dwelling, $159,044 for contents ($131,185 paid up front before depreciation was released), and an additional $83,569 for the garage contents.
2022 house fire
We pulled a code report and an aerial roof report and wrote a full reconstruction estimate. When the insurer asked questions, we revised it to add the porch concrete, general conditions, demolition with equipment, footings and a concrete pump truck.
Result: Our estimate went from $344,719 to $460,795 after the revision.
What we do on a Boonville fire claim
- Inspect the whole home, not just the burned area, and document smoke, soot and water damage.
- Write our own Xactimate estimate and compare it line by line with the insurer’s.
- Build the personal property (contents) inventory with you, room by room.
- Track additional living expenses, debris removal and ordinance-and-law coverage.
- Negotiate with the carrier and, when needed, invoke appraisal.
How we get paid
There is no upfront fee. We are paid a percentage of what the claim pays, under a written contract you sign before we start. If we do not think we can add value, we will tell you.
Claim Management Adjusters is a licensed public adjusting firm, not a law firm. This page is general information, not legal advice. Your policy language controls your coverage.