Navigating Your Smoke Damage Claim
Who's Involved in Your Claim
When dealing with a smoke damage claim, it's important to understand the difference between the adjuster sent by your insurance company and a licensed public adjuster working for you.
The Insurance Adjusters Approach
The adjuster provided by your insurer is employed or contracted by the insurance company. Their job is to assess the damage while controlling the cost of the claim for the insurer. In many cases, they may underestimate or overlook hidden smoke damage — such as residue in ductwork, insulation, behind walls, or within porous materials — because these issues are harder to detect and more costly to address. Their focus is often on settling quickly and keeping payouts low.
A Public Adjusters Approach
A public adjuster works solely for you, the policyholder. When it comes to smoke damage, we take a far more detailed and aggressive approach. We conduct an in-depth inspection, use specialized tools to detect hidden residue and odor, and bring in restoration experts when needed. We also review your policy line by line to ensure all covered damages are claimed — including cleaning, deodorization, structural repairs, and replacement of smoke-affected contents.
The Difference?
While the insurance company adjuster protects the insurer's bottom line, we protect yours — making sure your home is fully restored and your claim is paid fairly.
Our Step By Step Process
Mark Ryan - Expert Guidance, Maximum Results
At Mark Ryan Public Adjusting, we guide you through the entire insurance claims process — from the moment disaster strikes to the final settlement — acting as your trusted advocate every step of the way. Here’s exactly how we help:
- Initial Consultation
We begin with a free consultation to review your situation, explain your policy coverage, and determine whether you have a valid claim. We answer your questions and provide honest guidance.
- Damage Inspection & Documentation
We conduct a comprehensive inspection of all damage, whether from fire, water, smoke, wind, or storm. We photograph, measure, and document everything thoroughly — even the hidden damage insurance adjusters often miss.
- Policy Review & Strategy
We carefully analyze your insurance policy, identifying all applicable coverage, endorsements, and exclusions. Then we build a strategy tailored to maximize your claim.
- Detailed Claim Preparation
We prepare a professional, itemized claim package, including repair estimates, replacement costs, contents inventory, loss of use, and any code-related upgrades required — all backed by real-world pricing and industry standards.
- Claim Submission & Negotiation
We submit your claim directly to the insurance company and handle all communication and negotiation on your behalf. We push back on lowball offers, denials, and delays — ensuring the insurer plays by the rules.
- Contractor Coordination & Expert Support
If needed, we bring in engineers, remediation experts, or licensed contractors to support your claim with accurate assessments. We can also help you connect with reputable local professionals for repair work.
- Ongoing Updates & Advocacy
Throughout the process, we keep you informed and involved. We fight for your rights every step of the way and don’t back down until your property — and your life — is put back together properly.
- Final Settlement & Payment
Once a fair settlement is reached, we review the final offer with you and ensure payment is issued. We don’t get paid unless you do.
Contact Us
If you have any questions or would like to discuss how we can help you, please don't hesitate to reach out to us. We would be more than happy to assist you.
Frequently Asked Questions
Please reach us at markryanpa@gmail.com if you can't find an answer to your question.
Filing an insurance claim after property damage might seem straightforward, but in reality, it's a complex and often overwhelming process. Most homeowners simply don’t have the time, experience, or technical knowledge to effectively handle a claim on their own.
When you file a property damage claim, the insurance company will send their own adjuster to inspect the loss. While they may appear helpful, it’s important to understand a key fact: they work for the insurance company — not for you.
Their job is to protect the company’s financial interests, which often means minimizing payouts, overlooking certain damages, or interpreting your policy in the insurer’s favor. They’re not there to ensure you get everything you’re entitled to — they’re there to settle the claim as quickly and inexpensively as possible.
Public adjusters work on a contingency fee basis, which means we don’t get paid unless you do. Our fee is a small percentage of the final insurance settlement — so the more we recover for you, the better we do as well.
We are fully invested in your claim and motivated to fight for every dollar you’re entitled to under your policy. Unlike the insurance company’s adjuster, who is paid regardless of your outcome, a public adjuster’s success depends entirely on yours.
If you've suffered a property loss contact us today!
Mark Ryan
97 Sandwich Road, Plymouth, Massachusetts 02360, United States
Mobile: (781) 633-6898 Office: (508) 659-8222 markryanpa@gmail.com
Hours
24/7 Emergency Service
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