Fire Damage

Fire Damage Services

Commercial Public Adjusters in NH, MA & ME

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Common Causes of Fire Damage

A commercial fire can disrupt operations, damage assets, and significantly impact revenue. Common causes of commercial fire damage include electrical system failures, overloaded circuits, commercial kitchen incidents, equipment malfunctions, improper storage of flammable materials, and HVAC system issues. In industrial and office settings, faulty wiring, server room overheating, and machinery failures are also frequent contributors.

Beyond visible structural damage, fire losses often include smoke contamination, water damage from suppression systems, damaged inventory, equipment loss, and business interruption. Secondary impacts, such as corrosion, compromised air quality, and hidden structural weakening, can further increase repair costs and downtime.

Filing a commercial fire insurance claim requires detailed documentation, accurate valuation of physical damage, and proper calculation of business interruption losses. Tri-State Public Adjusters represents business owners exclusively, not insurance carriers. We conduct comprehensive loss assessments, coordinate with industry experts, and manage the claims process to ensure full and fair compensation. There is no upfront cost, and our firm consistently secures higher settlements while providing a cost-effective alternative to traditional legal representation.

Steps You Should Take

After a fire event, prioritize safety and secure the premises to prevent further loss. Coordinate with emergency services and restoration professionals to stabilize the property.

Thoroughly document all damage with photographs and video, including structural areas, equipment, inventory, furnishings, and affected systems. Preserve damaged property where possible for inspection. Maintain detailed records of emergency expenses, temporary relocation costs, equipment rentals, payroll continuation, and other operational impacts, as these may be recoverable under your policy.

Before accepting any settlement or signing documentation from the insurance carrier, consult with Tri-State Public Adjusters. Commercial fire claims often involve complex policy language, business interruption calculations, and depreciation disputes. Our team ensures accurate valuation, manages all insurer communications, and negotiates aggressively on your behalf.

With no upfront fees, a structured, efficient claims process, and a strong track record of maximizing commercial settlements, Tri-State helps businesses recover financially. At the same time, leadership focuses on restoring operations and minimizing downtime.

Why Work With Tri-State?

Our Objective: Maximize your insurance payout.

Insurance companies are focused on protecting their bottom line, and the adjusters they assign are often overworked and limited in the time they can spend on your claim. That can mean damages are overlooked or undervalued. We take the time to thoroughly document, prepare, and present every aspect of your loss to help ensure you receive the full compensation you are entitled to under your policy.

We work for you. Not the insurance company.

The insurance adjuster assigned to your claim works for the insurance carrier, and their performance is often tied to saving the company money. We are different. We represent you and only you, advocating for your best interests without the restrictions or pressures that come with working for an insurance company.

Expert Engineers, Adjusters, & Appraisers.

We are a family-owned New Hampshire-based public adjustment firm serving clients throughout Massachusetts, Maine, and Vermont, supported by three full-time Public Adjusters and a trusted network of appraisers, engineers, adjusters, and business interruption specialists when needed.

THE NUMBERS

WE GET PAID AFTER YOUR SETTLEMENT IS RESOLVED.

Initial Payout

Tri-State Adjusted Payout

$1,400

⟶

$33,000

$150,000

⟶

$350,000

$1,300

⟶

$20,000

$35,000

⟶

$247,000

$130,000

⟶

$200,000

60+ Years

Our team includes three full-time Public Insurance Adjusters with a combined 60 years of experience in claims, estimating, and disaster restoration. Supported by dedicated inventory specialists and led by a highly respected owner adjuster, we provide expert guidance and meticulous documentation to ensure the best results for every client.