We assist homeowners and business property owners in Pennsylvania, New Jersey, Delaware, and Maryland. As public adjusters, we work for the policyholder under a written agreement. Our role is to document the claim and communicate with the insurer about coverage and settlement questions.
Review the affected property carefully
Fire and smoke may affect several rooms or areas of a building. A claim file describes each area and connects the concern to photographs, inspection findings, or other evidence. Damage to belongings should also be recorded, even when those items were away from the flames.
Depending on the loss, the review may involve:
- Walls, ceilings, floors, and other building materials.
- Smoke residue and concerns raised by qualified inspectors.
- Furniture, clothing, electronics, and business equipment.
- Water damage related to firefighting efforts.
- Emergency services, temporary repairs, and related receipts.
We help organize these records without assuming that every item needs replacement or that every expense is covered.
Keep a record of damaged belongings
An item list can help explain what was affected. Include descriptions, approximate purchase dates, photographs, and receipts when available. For business property, equipment records and inventory lists may help identify the items involved.
Do not enter unsafe areas to gather evidence. Follow fire officials' instructions and ask the insurer how to document items that must be removed for safety. When possible, preserve information before disposal and keep records of who removed materials and why.
Understand the policy and estimates
We review the policy provisions relevant to the fire and the available damage information. Coverage limits, deductibles, and settlement terms affect payment. Some policies also provide additional living expense coverage after a covered loss makes a home unlivable. The terms and limits must be checked.
An estimate should explain the work and items it includes. We review supported differences between the claim records and the insurer's findings, then discuss questions or missing information. A request for additional payment needs evidence that relates to the loss and coverage.
Take the first steps safely
Contact your insurer promptly. Record the claim number, conversations, and any instructions. Use qualified professionals for urgent safety or protection work. Save receipts for reasonable emergency expenses, and avoid delaying needed action while waiting to speak with a public adjuster.
Talk through your fire claim
You can contact Wheeler at the start of a claim or ask about help with one already underway. We can discuss the damage, the records available, and the services that may fit your situation.
Call 610-361-9704 or email info@wheeleradjustment.com. Fees and services are explained before representation begins. Our goal is a clear, supported claim and a fair settlement under your policy; the coverage and outcome depend on the facts.