Comprehensive documentation, policy interpretation, and claim negotiation after fire and smoke losses.
Fire & Smoke Damage Insurance Claims in Utah
Licensed Utah Public Adjusters Representing Policyholders — Not Insurance Companies
Fire & Smoke Damage Claims Are Often Underpaid
Fire and smoke damage often extends far beyond what is immediately visible. Smoke infiltration, soot contamination, structural damage, and code upgrades can significantly increase repair costs.
Insurance companies frequently underestimate fire losses by limiting the scope of damage, applying depreciation aggressively, or overlooking secondary damage. Without experienced representation, many Utah property owners accept settlements that do not fully reflect the true cost of repairs.
Optivus Claim Solutions helps property owners throughout Utah navigate fire and smoke damage insurance claims with licensed, policyholder-focused representation.
Disputes over repair scope
Hidden smoke and soot damage
Code upgrade coverage issues
Depreciation reduces settlements
Delays in claim handling
Common Fire & Smoke Damage Claim Challenges
How We Help With Fire & Smoke Damage Claims
Thorough Damage Documentation
We identify and document all covered fire, smoke, and related damage — including areas commonly overlooked.
Policy Interpretation
We review your insurance policy to identify applicable coverages, limitations, and endorsements.
Detailed Repair Estimates
We prepare comprehensive estimates aligned with industry standards and policy requirements.
Direct Negotiation With the Insurer
We communicate and negotiate directly with the insurance company to pursue a fair settlement based on the full scope of loss.
When Should You Call a Public Adjuster?
After a residential or commercial fire
When smoke damage appears widespread
Our Fire Damage Claims Process
1
Step 1 – Free Claim Review
We review your policy and loss to determine whether professional representation may benefit your claim.
2
Step 2 – Documentation & Claim Management
We document damages, prepare estimates, and manage all insurer communication.
3
Step 3 – Negotiation & Resolution
We negotiate on your behalf to pursue an accurate and fair settlement.
Serving Utah Property Owners After Fire Losses
Optivus Claims Solutions represents residential and commercial property owners throughout Utah. We are licensed in the State of Utah and work exclusively for policyholders — never insurance companies.
Every fire damage claim is unique, and we approach each case with detailed attention, transparency, and ethical advocacy.
Insurance policies are written in complicated language that can be confusing when you’re under stress. A public adjuster translates that fine print into clear, simple terms, showing you what’s covered, what’s not, and what steps to take so you can make confident decisions about your claim.