Fire Damage Insurance Claims in Rhode Island

A house fire doesn’t just destroy your property — it disrupts your life. Between the emotional toll and financial uncertainty, navigating a fire damage claim alone can be overwhelming. At Premium Public Adjusters, we act as your advocate and voice in the claims process, working to ensure you receive the compensation your policy promises.

• Structural damage to your home or business
• Smoke and soot removal
• Damage caused by fire suppression (e.g., water or foam)
• Personal belongings: furniture, clothing, electronics
• Temporary housing and loss-of-use claims

What Makes Us Different:

• We handle the entire claims process from start to finish
• We work only for the policyholder — not the insurance company
• Over 30 years of experience in residential and commercial claims

Our Approach:

1. Emergency response to begin documentation immediately
2. Comprehensive damage assessment, including structural, content, and residual impact
3. Create detailed estimates using industry-standard software
4. Communicate and negotiate with your insurer for maximum payout
5. Provide guidance throughout rebuild and settlement phase

FAQs:

Q: How long does a fire damage claim take?

A: Timelines vary, but we work quickly to submit complete documentation and press insurers for prompt responses.

Q: Do I need receipts for everything?

A: Not always. We help reconstruct inventories and use industry databases to estimate values.

Q: Can you reopen a claim that’s already settled?

A: Yes, in many cases we can pursue supplemental claims if you were underpaid.