
When a fire damages your home or business, the insurance company sends its own adjuster to inspect the loss. That adjuster is trained, experienced, and working entirely for the insurance company. Paul Definis is a licensed public adjuster who works exclusively for you — the policyholder — in St Davids, Strafford, Radnor, Wayne, Darby, Upper Darby and throughout Delaware County. Paul reviews your policy, documents the full extent of the fire and smoke damage, and negotiates directly with the insurance company to make sure your claim is settled fairly. There is no upfront cost. Paul is paid a small contingent fee from the settlement itself, only after your claim is resolved.
"Great fire adjuster"
— John Pizzoferrato"The best in the business for sure! Large fire experts..also handle all losses."
— Aftab KhanA fire loss is more than the visible flames. Smoke penetrates walls, ceilings, and HVAC systems. Soot damages surfaces far beyond the burn area. Firefighting water causes secondary water damage throughout the structure. Contents, personal property, additional living expenses, and business interruption losses all have to be identified, documented, and valued correctly or they won't be included in the settlement. Insurance companies frequently underestimate the full scope of a fire loss — especially smoke, soot, and odor damage that isn't immediately visible. Paul Definis documents every category of damage, prepares a complete written estimate, and negotiates with your insurance company to recover the full value of your loss. Before you accept any offer on a fire claim in Darby, Upper Darby, Radnor, Wayne, St Davids, or Strafford, call Paul Definis at 610-721-4199.
After a fire, securing your property is the first priority — and every cost associated with that emergency work is a legitimate part of your insurance claim. Emergency board up, window and door securing, roof tarping, and temporary fencing all have to be documented properly or the insurance company can dispute or deny those costs entirely.
Paul Definis documents all emergency board up and securing work as part of the full fire damage claim. The cost of protecting your property from further damage after a fire is covered under most homeowners and commercial property policies — but only if it is properly itemized, photographed, and presented as part of the claim. Paul ensures every emergency measure is accounted for so nothing gets left out of the settlement.
If your home or business in Prospect Park, Ridley Park, Sharon Hill, or Swarthmore has suffered fire damage and needs emergency board up services, call Paul Definis at 610-721-4199 before the insurance company closes the initial inspection.
Fire damage is the most complex property insurance claim there is. The visible burn area is only part of the loss. Smoke travels through walls, floors, ceilings, and HVAC systems and damages surfaces far beyond where the fire burned. Soot leaves residue that corrodes and stains if it isn't documented and cleaned properly. Firefighting water causes secondary water damage throughout the structure. Contents, personal property, additional living expenses, and business interruption losses all have to be identified and valued correctly or they won't be included in the settlement.
Smoke and soot damage is one of the most disputed categories in a fire claim. Insurance companies often limit smoke damage payments to visible surfaces while ignoring damage inside walls, ductwork, and HVAC systems. Paul Definis documents smoke and soot penetration throughout the structure so the full scope is captured before any cleaning or restoration begins. Once surfaces are cleaned, the evidence of how far the smoke traveled is gone — which is why Paul needs to document the damage before restoration starts. If your insurance company's adjuster has already inspected the property, call Paul before you sign anything.
Paul Definis Philadelphia Claims Public Adjuster
8305 Torresdale Ave, Philadelphia PA 19136
Call 24 Hours: 610-721-4199
Email: PaulDefinis@aol.com
Fire Damage Claims — St Davids 19087
Fire Damage Claims — Radnor 19087
Fire Damage Claims — Wayne 19087
Fire Damage Claims — Darby 19023
Fire Damage Claims — Upper Darby 19082
Delaware County — Montgomery County — Philadelphia
A fire loss is more than the flames. Smoke, soot, firefighting water, and hidden structural damage all have to be documented — or the settlement falls short. Before you accept the insurance company's estimate, call Paul Definis. Call 610-721-4199.