Smoke Damage Insurance Claim Support That Maximises Your Settlement
At All Property Claims (APC), we’re dedicated to helping homeowners and businesses recover from smoke damage. APC’s expert team deals with your claim and coordinates the restoration, ensuring your property is fully restored to its original condition.
How Smoke Damage Can Affect Your Property
Even after a fire is extinguished, smoke damage can continue to cause problems. Smoke particles and soot can penetrate materials like wood, carpets, and upholstery, which not only causes the smell of smoke to cling to these fabrics, it also leads to long-lasting damage if not treated quickly. The longer the smoke residue remains, the harder and more costly it becomes to remove.
Prolonged exposure to smoke can weaken structural materials such as wood beams and drywall, compromising your property’s integrity. In addition, the lingering chemicals in smoke particles can reduce air quality, potentially causing respiratory issues or allergic reactions for those in the property.
Acting fast and managing fire smoke damage insurance claims quickly is crucial for minimising these risks and restoring your property to its pre-damage condition.
What Smoke Insurance Claims Cover
When smoke infiltrates your property, it can cause widespread visible and hidden damage. Fire smoke damage insurance typically covers the necessary repairs to restore your home or business after smoke, soot, and other fire-related residues have affected your property. This can include:
Structural Cleaning And Repairs
Smoke can seep into walls, ceilings, and floors, often requiring deep cleaning or even full replacements to restore the structure.
Contents Cleaning Or Replacement
Furniture, carpets, and personal belongings can be affected by smoke residue, often needing specialised cleaning or, in some cases, replacement.
Air Purification
Lingering smoke particles can impact the air inside your property, which may require air purifiers or thorough cleaning of HVAC systems to remove smoke particles and improve indoor air quality.
Odour Removal
The persistent smell of smoke can cling to fabrics, surfaces, and furniture, often requiring professional deodorisation services to fully eliminate it.
Understanding the specifics of smoke damage home insurance claims is crucial to ensure all aspects of the damage are covered and your property is fully restored. APC’s expert team deals with your claim, ensuring everything is managed efficiently.
Our Approach to Handling Smoke Insurance Claims
At APC, we manage your smoke damage insurance claim in its entirety making the process as stress-free as possible.
We begin by assessing the full extent of the smoke and soot damage, including areas where residue may be hidden behind walls, within flooring, or inside ventilation systems. Once we understand the scope of the damage, we prepare a detailed report for your insurer, clearly outlining what has been affected and the repairs required to restore your property.
We handle all communication and paperwork, ensuring your smoke insurance claim is presented accurately and progresses without delay. Our team negotiates on your behalf to secure a fair settlement to cover the costs of repair and restoration works and once approved, we coordinate specialist cleaning, deodorisation, and any structural repairs needed with expert providers.
From the initial assessment to full reinstatement, we work to return your home or business to its pre-loss condition so you can move forward with confidence.
Has Your Insurer Let You down?
In 2025, consumer champion Which? filed a super-complaint to the Financial Conduct Authority (FCA), demanding action against poor treatment of policyholders in the home and travel insurance markets.
The complaint exposes a pattern of slow claim handling, unclear policies, and unfair settlements — leaving many people underpaid or ignored when they need their insurer most.
“Too many people are being let down by insurers when they need them most.” — Which? 2025
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…
Our Team
Our team consists of skilled claim specialists who take pride in supporting clients through every stage of a smoke 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
Proven Results for Property Owners
Don’t just take our word for it. Read our case studies to understand how we resolved smoke damage insurance claims, and supported our clients throughout the process.
Smoke Damage in a Residential Building
Incident Summary
A fire occurred in a seven-storey residential block after an electrical fault in a bathroom light caused nearby items to ignite. While the fire was contained by the fire brigade, smoke travelled extensively throughout the building, penetrating flats on every level via air-conditioning systems, wall cavities, and insulation.
Although the most visible fire damage was limited to the upper floors, all fourteen flats were affected by smoke contamination, odour ingress, and airborne residues. The building was insured through a broker, who contacted APC immediately to coordinate and manage the resulting smoke damage insurance claims on behalf of all flat owners.
Client Concerns
Each household faced different challenges, but a major shared concern was the persistent smoke odour and contamination within living spaces. Several residents reported breathing difficulties, and one claimant had asthma, making continued exposure to smoke-affected air unacceptable from a health and safety perspective.
Residents were particularly worried that smoke had penetrated insulation, ventilation ducts, and concealed areas, meaning surface cleaning alone would not resolve the problem. The priority for all claimants was to ensure their homes were made safe, breathable, and fully habitable, not simply cosmetically repaired.
How APC Managed The Claim
APC focused on demonstrating that this was not a superficial issue but a whole-property smoke damage loss. We coordinated air quality assessments, documented smoke penetration through insulation and ducting, and presented evidence that partial cleaning would leave harmful residues behind – particularly problematic for occupants with respiratory conditions.
The insurer initially proposed limited cleaning and natural ventilation for lower floors. APC challenged this position, explaining that smoke-contaminated insulation and air-handling systems must be removed and replaced to properly restore the properties to pre-loss condition. After escalation, the insurer agreed to a full smoke remediation programme, including replacement of affected insulation, professional duct cleaning, and deep restoration works throughout the building.
All flats were ultimately returned to safe, smoke-free living conditions, allowing residents – including those with asthma and breathing sensitivities – to return to homes that were genuinely restored, not merely deodorised.
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Smoke Damage in Computer Repair & Retail Shop
Incident Summary
A fire occurred in a computer repair and retail shop after a device battery malfunctioned, resulting in heavy smoke contamination across the premises. While the fire itself was contained to part of the unit, smoke spread throughout the office, retail area, staff kitchenette, toilets, and ventilation systems, affecting both the building fabric and business-critical equipment.
The business was insured via a broker, who referred the owner to APC for specialist support with a smoke damage insurance claim, following early concerns about how the insurer was handling the loss.
Client Concerns
The primary concern was getting the business safely operational again as quickly as possible. Smoke residue and odours had contaminated stock, tools, and electronic equipment, making the premises unsuitable for staff or customers and threatening ongoing revenue loss.
Before APC became involved, the owner contacted his insurer directly and was informed the policy might be void due to unrelated items stored on site. This created immediate stress and uncertainty, despite the fact that smoke damage – not those items – was the direct cause of the business interruption.
How APC Managed the Claim
APC challenged the insurer’s position immediately, demonstrating that the policy remained valid and that the smoke damage claim was fully covered under the insured perils. It was clearly evidenced that the fire source was unrelated to the items cited by the insurer and that smoke contamination was the primary cause of loss.
Once cover was confirmed, APC coordinated a full smoke remediation and reinstatement programme. This included removal and replacement of smoke-affected insulation and plasterboard, restoration of the air-conditioning system, deep cleaning of all affected areas, and settlement of the contents claim for contaminated stock and equipment. The business was able to reopen with confidence, knowing the premises had been properly restored – not merely cleaned at surface level.
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Smoke Damage in a Residential Building
Smoke Damage in Computer Repair & Retail Shop
Case Study: Smoke Damage in a Seven-Storey Residential Building
Incident Summary
A fire occurred in a seven-storey residential block after an electrical fault in a bathroom light caused nearby items to ignite. While the fire was contained by the fire brigade, smoke travelled extensively throughout the building, penetrating flats on every level via air-conditioning systems, wall cavities, and insulation.
Although the most visible fire damage was limited to the upper floors, all fourteen flats were affected by smoke contamination, odour ingress, and airborne residues. The building was insured through a broker, who contacted APC immediately to coordinate and manage the resulting smoke damage insurance claims on behalf of all flat owners.
Client Concerns
Each household faced different challenges, but a major shared concern was the persistent smoke odour and contamination within living spaces. Several residents reported breathing difficulties, and one claimant had asthma, making continued exposure to smoke-affected air unacceptable from a health and safety perspective.
Residents were particularly worried that smoke had penetrated insulation, ventilation ducts, and concealed areas, meaning surface cleaning alone would not resolve the problem. The priority for all claimants was to ensure their homes were made safe, breathable, and fully habitable, not simply cosmetically repaired.
How APC Managed The Claim
APC focused on demonstrating that this was not a superficial issue but a whole-property smoke damage loss. We coordinated air quality assessments, documented smoke penetration through insulation and ducting, and presented evidence that partial cleaning would leave harmful residues behind – particularly problematic for occupants with respiratory conditions.
The insurer initially proposed limited cleaning and natural ventilation for lower floors. APC challenged this position, explaining that smoke-contaminated insulation and air-handling systems must be removed and replaced to properly restore the properties to pre-loss condition. After escalation, the insurer agreed to a full smoke remediation programme, including replacement of affected insulation, professional duct cleaning, and deep restoration works throughout the building.
All flats were ultimately returned to safe, smoke-free living conditions, allowing residents – including those with asthma and breathing sensitivities – to return to homes that were genuinely restored, not merely deodorised.
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Case Study: Smoke Damage in Computer Repair & Retail Shop
Incident Summary
A fire broke out in a computer repair and retail shop after a device battery ignited, causing extensive damage to the office and retail area. Smoke contamination spread throughout the premises, including the staff kitchenette and toilets. The business was insured via a broker, who referred the shop owner to APC for expert support with his fire damage insurance claim.
Client Concerns
The owner needed his business operational again as quickly as possible. In addition to structural repairs, there was significant damage to valuable stock and equipment that required a fire damage claim for contents. Before contacting APC, the shop owner approached his insurer directly, who attempted to void the policy entirely on the grounds that e-bikes were stored on site, which had no relevancy to the fire.
How APC Managed the Claim
APC immediately filed a complaint on behalf of the client, challenging the insurer’s attempt to reject the claim. After reviewing the policy wording, it was clear there was no breach that justified repudiation, and the fire had originated from a computer, not an e-bike. We escalated the dispute until the insurer agreed to provide full cover.
Once approved, APC coordinated all reinstatement works, including rebuilding internal stud walls, replacing insulation and plasterboard, restoring the air-conditioning system and completing full redecoration. We also secured compensation for all fire-damaged contents, so the business owner did not suffer financial loss and could reopen with confidence.
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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.
Is it worth claiming for home insurance?
It’s usually worth claiming on home insurance if the damage affects safety, habitability, or would be costly to fix yourself, including fire or smoke damage insurance claims. If you’re unsure, reviewing your policy terms and the likely repair costs will help you decide whether making a claim is financially sensible.
How does a house insurance claim work?
A smoke damage insurance claim typically involves notifying your insurer, having the damage assessed by a loss adjuster, and agreeing the scope of repairs and settlement under your policy. You can manage this directly with your insurer or appoint a claims specialist to handle assessments, negotiations, and approved repairs on your behalf.
How to get the most out of a home insurance claim?
To get the most out of a home insurance claim, report the damage promptly, document it thoroughly, and make sure the settlement reflects what your policy actually covers. If negotiations become complex or disputed, professional claims support can help ensure nothing is overlooked or undervalued.
What does a loss adjuster do?
A loss adjuster is appointed by your insurer to assess the cause, extent, and cost of the damage and to determine how the claim should be settled under your policy. Their role is to report back to the insurer, including verifying coverage and agreeing the scope and value of repairs.
We’ll Handle Your Claim and Your Repairs
If smoke damage or fire damage is affecting your property, reach out to All Property Claims now. We’ll handle the entire claims process on your behalf, ensuring a fair settlement is negotiated so your property is quickly restored to pre-loss condition with not cutting corners.
Contact us today to begin your smoke damage claim or for expert advice on how to handle the process.