Fire Damage Insurance Claim Support That Maximises Your Settlement
When fire causes damage to your property, you deserve quick, effective support.
At All Property Claims, we will guide you through every stage of the fire damage insurance claim process to make sure that your home or business is restored promptly. Whether you’re dealing with smoke damage, fire smoke damage insurance claims, or complex structural repairs, we understand how stressful this can be. Our job is to handle things effectively, making the whole process easier for you.
Why Fire Damage Claims Deserve Extra Care
Fire‑damage claims are often far more complicated than your standard home insurance claims. They can often involve structural damage, smoke and soot cleaning, temporary accommodation, and full restoration of your property. According to the research behind Which?’s super‑complaint, many insurers routinely under‑pay or reject claims: some accept as few as 63 % of home‑insurance claims.
Having an independent, FCA‑regulated loss assessor on your side can make a big difference. All Property Claims helps you receive a fair settlement and get your home fully restored.
Our Process for Fire & Smoke Damage Claims
Initial Consultation & Damage Survey
We begin with a detailed property inspection to assess both visible fire damage and any hidden smoke or soot damage. This is vital for making sure that your fire damage insurance claim covers all aspects of your loss, from fire smoke damage to structural repairs.
Claim Preparation & Negotiation
Our team will compile all the necessary documentation, including an accurate valuation of repairs and a full description of the damage. We liaise directly with your insurer to make sure all aspects of your fire claim are included, giving you the best chance of a fair settlement.
Restoration & Repair
Once the claim is approved, we manage the restoration process, including cleaning, repairs, and reconstruction. We will always make sure your property is returned to its pre-damage condition quickly, with minimal disruption.
Why Insurance Claims Have Become Harder
In 2025, consumer champion Which? took the rare step of filing a formal super-complaint to the Financial Conduct Authority (FCA), calling out serious, ongoing problems in home and travel insurance – from delayed payouts to unfairly rejected claims.
Fire claims are particularly challenging because they involve multiple stages:
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Water damage from firefighting
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Smoke and soot contamination
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Structural assessment and safety checks
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Extensive, multi-trade reinstatement
When insurers delay decisions or dispute elements of the claim, homeowners are left managing uncertainty at a time when they need clarity and support most.
Our Team
Our team consists of skilled claim specialists who take pride in supporting clients through every stage of a fire damage claim. From the first inspection to the final repair, we ensure that each client receives expert attention and care throughout the claims process.
Abhijeet Singh
Claims Manager
Matthew Farthing
Claims Manager
Sheriece Connally
Contracts Manager
Customer Testimonials
Lara – October 2025
★★★★★
All Property Claims is unlike any other company I’ve used before. Their support is second to none, especially when dealing with insurance issues. I’ve never regretted using them; they’ve been absolutely invaluable. Their tradespeople are professional, efficient, and complete work…
Eloise – September 2025
★★★★★
I can’t thank All Property Claims enough for their outstanding service. After experiencing a devastating flood, they guided me seamlessly from the chaos to resolution. Their expertise, dedication, and support made all the difference in restoring normalcy. Highly recommend!
Matteo B – April 2025
★★★★★
Allpropertyclaims was instrumental in ensuring the damage from a leak was properly assessed, investigated and repaired. They were really supportive throughout the lengthy process of dealing with the insurance, and took the lead in dealing with a particularly challenging…
Proven Results for Property Owners
Don’t just take our word for it. Read our case studies to understand how we resolved fire damage insurance claims, and supported our clients throughout the process.
Fire in Residential Apartment
Incident Summary
A homeowner was woken in the night by his fire alarm and discovered a kitchen fire, later confirmed to have been caused by an electrical appliance. He managed to extinguish the fire himself, but significant fire, soot and smoke damage had already occurred. The property manager notified the block’s buildings insurer the next morning, who appointed a loss adjuster to investigate and requested two repair quotes. While searching for a suitable contractor, the homeowner found APC and contacted us for support with his home insurance fire damage claim.
Client Concerns
The client suffered from asthma and was understandably worried about the health implications of lingering smoke and soot. He was also distressed by what appeared to be a slow response from the insurer and sensed that the loss adjuster might try to minimise the repair scope, leaving him at a disadvantage.
How APC Managed the Claim
Once appointed, APC notified the insurer that all future communication should be directed to us. Because the insurer and their loss adjuster were familiar with our firm’s approach, the claim progressed far more efficiently from that point forward.
We arranged an immediate specialist fire and smoke damage clean-up, including safe removal of debris and deep decontamination to protect our client’s health. We then prepared a detailed schedule of reinstatement works and negotiated costs directly with the insurer to ensure full and proper restoration.
APC also secured approval for alternative accommodation, which the client used for an extended stay in Spain while repairs were completed. He returned home to a fully reinstated property and was delighted not only with the quality of the work, but the peace of mind provided by APC’s services.
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Work In Progress:
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Fire in Residential House
Incident Summary
A fire had started in the client’s kitchen. The fire brigade attended and used water to extinguish the flames. In this particular case, besides the damage done by the fire, there was a considerable amount of water damage as well as unavoidable damage caused by the activity and commotion of the firemen, whose first priority was to make sure that everyone was safe.
Client Concerns
The client had some contact with the loss adjuster prior to our involvement and this was particularly distressing, as the loss adjuster refused to accept a large amount of the damage to the tiled bathroom floor, which our client said had been caused by the fire brigade. The second concern was the entirely unsuitable alternative accommodation being offered to our client by the insurance company. To top it all, the council (who was freeholder of our client’s flat) was in the middle of doing roof repairs to the building. The fire had spread to the roof void and internal repairs in this area could only commence once the council had finished doing the external roof repairs.
How APC Managed The Claim
After much negotiation we got the insurer to pay for accommodating our client’s parents in a care home as any other regular accommodation would not have had the essential aids and facilities they had in their own home. The insurer had appointed their own surveyor to assess the damage, and they were insisting that the designer Poggenpohl kitchen be replaced with a lesser-known brand. They also suggested cleaning most of the smoke damaged areas rather than changing the plasterboard and insulation and then fully redecorating which we believed was necessary to fully remove the smell. Eventually our expert claims team finally managed to get all required works fully agreed and we were able to restore the property to its pre-loss glory.
Before:
After:
Fire in Residential Maisonette
Incident Summary
Our client contacted us on behalf of his uncle, who was completely overwhelmed after a fire broke out in his kitchen while he was cooking. The incident resulted in severe third-degree damage within the kitchen and spread into the adjoining dining area and living room. As part of the fire damage insurance claim, a large number of personal belongings were removed for specialist cleaning due to extensive smoke and soot contamination. Structural damage was also discovered in the kitchen ceiling joists, and a film of soot and residue was evident throughout the property, from the front entrance through every affected room.
Client Concerns
The family was particularly worried as the homeowner did not fully grasp the scale of the damage and was in a vulnerable position. They needed support from a company able to manage the entire fire insurance claim process, guide them through every stage of the restoration, and ensure the insurer recognised the full extent of both the fire damage claim and the smoke damage claim. There was also uncertainty about whether the insurer would accept liability, given that the fire occurred while cooking and there were concerns about how the insurer might interpret alleged carelessness during the home insurance fire damage assessment.
How We Handled the Claim
We reviewed the policy wording in detail and negotiated with the insurer to secure acceptance of liability for the insurance claim for fire damage. A loss adjuster and a surveyor were appointed to assess the property. Fortunately, we had an established professional rapport with the surveyor, enabling constructive discussions that helped us reach an agreed settlement much faster than expected. This allowed reinstatement and repair works to begin promptly, so that the homeowner did not face prolonged disruption.
Before:
Work In Progress:
After:
Fire in Residential Apartment
Fire in Residential House
Fire in Residential Maisonette
Case Study: Electric Fire in Residential Apartment
Incident Summary
A homeowner was woken in the night by his fire alarm and discovered a kitchen fire, later confirmed to have been caused by an electrical appliance. He managed to extinguish the fire himself, but significant fire, soot and smoke damage had already occurred. The property manager notified the block’s buildings insurer the next morning, who appointed a loss adjuster to investigate and requested two repair quotes. While searching for a suitable contractor, the homeowner found APC and contacted us for support with his home insurance fire damage claim.
Client Concerns
The client suffered from asthma and was understandably worried about the health implications of lingering smoke and soot. He was also distressed by what appeared to be a slow response from the insurer and sensed that the loss adjuster might try to minimise the repair scope, leaving him at a disadvantage.
How APC Managed the Claim
Once appointed, APC notified the insurer that all future communication should be directed to us. Because the insurer and their loss adjuster were familiar with our firm’s approach, the claim progressed far more efficiently from that point forward.
We arranged an immediate specialist fire and smoke damage clean-up, including safe removal of debris and deep decontamination to protect our client’s health. We then prepared a detailed schedule of reinstatement works and negotiated costs directly with the insurer to ensure full and proper restoration.
APC also secured approval for alternative accommodation, which the client used for an extended stay in Spain while repairs were completed. He returned home to a fully reinstated property and was delighted not only with the quality of the work, but the peace of mind provided by APC’s services.
Before:
Work In Progress:
After:
Case Study: Fire in Residential House
Incident Summary
A fire had started in the client’s kitchen. The fire brigade attended and used water to extinguish the flames. In this particular case, besides the damage done by the fire, there was a considerable amount of water damage as well as unavoidable damage caused by the activity and commotion of the firemen, whose first priority was to make sure that everyone was safe.
Client Concerns
The client had some contact with the loss adjuster prior to our involvement and this was particularly distressing, as the loss adjuster refused to accept a large amount of the damage to the tiled bathroom floor, which our client said had been caused by the fire brigade. The second concern was the entirely unsuitable alternative accommodation being offered to our client by the insurance company. To top it all, the council (who was freeholder of our client’s flat) was in the middle of doing roof repairs to the building. The fire had spread to the roof void and internal repairs in this area could only commence once the council had finished doing the external roof repairs.
How APC Managed The Claim
After much negotiation we got the insurer to pay for accommodating our client’s parents in a care home as any other regular accommodation would not have had the essential aids and facilities they had in their own home. The insurer had appointed their own surveyor to assess the damage, and they were insisting that the designer Poggenpohl kitchen be replaced with a lesser-known brand. They also suggested cleaning most of the smoke damaged areas rather than changing the plasterboard and insulation and then fully redecorating which we believed was necessary to fully remove the smell. Eventually our expert claims team finally managed to get all required works fully agreed and we were able to restore the property to its pre-loss glory.
Before:
After:
Case Study: Fire in Residential Maisonette
Incident Summary
Our client contacted us on behalf of his uncle, who was completely overwhelmed after a fire broke out in his kitchen while he was cooking. The incident resulted in severe third-degree damage within the kitchen and spread into the adjoining dining area and living room. As part of the fire damage insurance claim, a large number of personal belongings were removed for specialist cleaning due to extensive smoke and soot contamination. Structural damage was also discovered in the kitchen ceiling joists, and a film of soot and residue was evident throughout the property, from the front entrance through every affected room.
Client Concerns
The family was particularly worried as the homeowner did not fully grasp the scale of the damage and was in a vulnerable position. They needed support from a company able to manage the entire fire insurance claim process, guide them through every stage of the restoration, and ensure the insurer recognised the full extent of both the fire damage claim and the smoke damage claim. There was also uncertainty about whether the insurer would accept liability, given that the fire occurred while cooking and there were concerns about how the insurer might interpret alleged carelessness during the home insurance fire damage assessment.
How We Handled the Claim
We reviewed the policy wording in detail and negotiated with the insurer to secure acceptance of liability for the insurance claim for fire damage. A loss adjuster and a surveyor were appointed to assess the property. Fortunately, we had an established professional rapport with the surveyor, enabling constructive discussions that helped us reach an agreed settlement much faster than expected. This allowed reinstatement and repair works to begin promptly, so that the homeowner did not face prolonged disruption.
Before:
Work In Progress:
After:
Frequently Asked Questions
We know insurance claims can feel overwhelming, especially if it’s your first time dealing with one. That’s why we’ve put together this FAQ section – to answer common questions, explain the process in plain English, and show how our expertise makes the journey smoother and less stressful for you.
What is an Insured Peril?
An insured peril is a specific, unpredictable event that is covered by an insurance policy. For example a leak from a pipe qualifies as an insured peril, however maintenance related issues such as a failed sealant or grouting around shower trays and baths would not qualify.
I’ve had a fire in my home and I’ve contacted my insurance company – is there anything more I should do or tell them?
Yes – you should take reasonable steps to make the property safe and prevent further damage, then clearly document and report those actions as part of your fire damage insurance claim. This includes securing the property, arranging emergency safety measures if needed, and keeping records or receipts to support what you’ve told your insurer.
I’ve never made an insurance claim before, is there any advice you can offer?
If you’re making a fire damage insurance claim for the first time, keep your initial conversation factual and brief, and don’t speculate about causes if you’re unsure. If you feel uncertain dealing directly with your insurer or before a loss adjuster visits, you may choose to appoint a claims specialist to help protect your position.
What’s the difference between a traditional loss assessor and your company?
A loss assessor will not take on your building works themselves but will refer you to a third-party. The loss assessor will charge you a fee to obtain a cash settlement of your claim. We will do everything a loss assessor does but we will also take on your building works and be responsible and completely accountable to deliver all of your building and restoration works to the right quality.
Will I get charged a fee if I decide to appoint All Property Claims?
Our business model is very clear and very simple. We do not charge your insurer nor do we send you a bill for our fees because we cover our costs from the margin we make by also acting as the principal contractor for all your building and restoration works. Once we are appointed, all our clients receive the full suite of our professional services and our building services completely free of charge.
Protect Your Property Now, Speak to Our Team
If you’ve experienced fire or smoke damage, our team is here to help. We’re available 24/7 to guide you through the fire damage claims process, offering expert advice, documentation, and claims support.
Get in touch or call us at 0203 011 2495 to get started today!