Smoke damage

More claims & insurance terms

• Scope of loss

  The written description of the damage and the work needed to repair it.

• Settlement

  The final agreed payment on a claim, reached after the carrier and the policyholder settle the disputed scope and close the file.

• Soot

  The fine black powder left when fuel or building materials burn without enough oxygen. It sticks to surfaces, stains them, and carries odor, so a fire claim usually needs cleaning, sealing and deodorization lines, often followed by repaint. How far the soot traveled decides how much of the building gets cleaned.

• Staff Adjuster

  An adjuster who is a direct employee of the insurance carrier, not an independent adjuster hired for the storm. Their estimate sets the starting scope, and supplements go back to them or their supervisor for review. How much authority each one has varies by carrier.

• Statute of Limitations

  The deadline set by state law for suing over a claim, usually running from the date of loss or from the denial. How long it is and when it starts varies by state and by policy wording, so confirm the rule where the loss happened. Missing it can kill an otherwise valid claim.

• Storm Chasing

  Out-of-town crews that follow hail and wind events, knock doors, and often offer to handle the claim for the homeowner. Some do solid work, but they usually leave after the season, so warranty and callbacks are the real risk. Check licensing, insurance, and a local address before signing anything.

Common questions