After the fire, the second fight begins.
Structural loss, smoke, soot, contents, additional living expenses — we handle all of it.
Nothing prepares you for a house fire. And nothing prepares you for an insurance carrier that seems more interested in cutting the claim than helping your family recover.
Walker & Felknor represents Florida fire victims in every phase of the claim — dwelling damage, contents, smoke and soot cleanup, additional living expenses, and total losses.
Structural fire damage
Smoke and soot contamination
Kitchen and electrical fires
Wildfire and neighboring-property fires
Contents and personal property loss
Additional living expenses (ALE)
Total loss valuations
Denied or underpaid fire claims
Contents and ALE are where carriers cheat you.
Insurers routinely undervalue your personal property and cut off Additional Living Expenses early. Both are core coverages you paid for. We document every item and every day out of your home so the carrier pays what the policy owes.
Total loss — actual cash value vs. replacement cost.
Florida policies typically pay actual cash value up front and the balance ("recoverable depreciation") after you rebuild. Carriers hope you never claim it. We make sure you do — and that the ACV number was calculated correctly in the first place.
Questions we hear.
Does homeowners insurance cover smoke damage without a fire in my home?
Yes — most Florida policies cover smoke damage even when the fire originated elsewhere, such as a neighboring unit or nearby wildfire. Documenting the source and extent is critical.
The insurer wants to only clean my belongings. Can I get replacements?
It depends on the extent of smoke penetration and your policy. Many items — especially electronics, upholstered furniture, and porous materials — can't be safely cleaned. We fight to make sure you're not stuck living with contaminated property.
How long does a fire claim take?
It varies. Simple claims resolve in weeks; complex total losses can take months. Having an attorney from day one is the single biggest factor in a faster, fuller recovery.
Ready to talk to an attorney?
Free case review. No fees unless we win. We answer the phone.