Fire & Lightning Claims

The days following smoke and fire damage can be stressful and confusing. After everyone is safe, one of the first calls you will need to make will be to your insurance company, but you need to know that their adjuster does not work for you. Like all businesses, insurance companies are trying to turn a profit, and getting you the maximum claim that you deserve is not part of their business model.

Did you experience a fire?

A fire can be devastating to a family or business. Even minor smoke and a small fire can do serious damage. The cleanup can be lengthy and costly.

Here in Pennsylvania, fires can occur due to lightning strikes, electrical problems, appliance malfunctions, cooking accidents, space heaters, fireplaces and more. No matter the cause of your fire, you should consider contacting a public adjuster experienced with fire claims to ensure the best possible outcome with your homeowner insurance claim.


A Public Adjuster Protects Your Best Interests

Fire insurance claims are complex because often the full scope of the damage isn’t evident. Smoke damage may not be visible to the untrained eye and quantifying the amount of destruction can be subjective.

The smell of smoke can get into carpets, drapes, upholstered furniture, clothes and even the home’s insulation. Soot can clog air conditioners and cause noticeable damage to belongings. The adjuster sent by your insurance company is paid by the insurance company and therefore represents its interests, not the policy holder’s. You need a public adjuster to protect your best interests.

Schedule a FREE Consultation

Commonwealth Adjusters is experienced with fire claims and knowledgeable in construction. We will document all damages, both visible and hidden, and ensure they are taken care of in your claim. Your insurance company is obligated to pay you for your damages, to restore your property to its pre-loss condition. We make them live up to that obligation.

If you’ve experienced a fire, whether or not you’ve started the claim process with your insurance company, we can meet with you to discuss your rights as a policy holder. The consultation is free and can be scheduled at your location and convenience. Serving policy holders throughout Pennsylvania, including the cities of Philadelphia, Wilkes-Barre, Allentown, Scranton, Stroudsburg, Bloomsburg and Easton.

Let us Help

As a licensed public adjuster, we work for you, the policy holder – not the insurance company. We can help you to get all that you’re entitled to. The fee we charge is nominal compared to the results we deliver. With more than 55 years of experience working for Pennsylvania homeowners, we know what it takes to be successful for claimants.

Here’s how we work:



Contact us to schedule a meeting at your location where we’ll evaluate the fire damages and losses.



We’ll review your insurance policy to determine what fire damages it covers, assess your damages and explain your options.



We’ll take photos and create detailed lists of the damage caused by the fire or lightning. We’ll also quantify the costs to repair or replace your property.


Complete forms

We’ll handle all insurance forms and paperwork to substantiate your fire claim. We’ll be in constant communication with your insurance company to keep the process moving along.



We’ll negotiate the settlement amount for your fire claim with your insurance company and ensure the payout is all that you deserve.


Expedite payment

We’ll stay on top of your insurance company, pushing for prompt payment of your settlement.

Ready to talk? So are we!

In business since 1964, Commonwealth Adjusters is a family-owned and insurance adjuster. We have a long, successful track record of helping claimants get the largest settlement possible from their insurance company. Let us put our experience as a public adjuster to work for your family or business. Schedule a FREE, no-obligation consultation.