Types of Loss/Residential/Fire & Smoke

The Flames Are Only the Beginning of the Scope.

Fire, smoke, heat, and the water that put it out. Atlas documents the whole house room by room and writes the rebuild top down and trade by trade, so the file tells the story of the loss.

Tell us what you handle and where. We'll tell you plainly whether Atlas is a fit, what it costs, and how it works.
The Process

Charred framing and finishes come out. The scope question is the rest of the house: soot in rooms the fire never reached, the ceiling under the hose line, the windows that never caught but never open right again, the roof the crew cut to vent it. Atlas sets the line between clean and replace, room by room, and writes it in Xactimate® from a measured sketch.

Where Scopes Come In Short
01
What Burned Decides What's Left
A grease fire leaves a heavier soot than a paper fire; an electrical fire leaves a chemical odor that cleaning doesn't take out. Burning PVC in a basement sends chemicals up the chases that corrode every metal surface they touch, panel bus bars and appliance faces included, within a day or two. The estimate has to know what burned before it can say what cleans.
02
Heat Damage That Isn't Burned
Vinyl windows discolor and deflect from heat; the sashes no longer line up and the felt strips are gone. Wiring near the fire takes heat it wasn't rated for. None of it looks burned. All of it is replace, not clean.
03
What the Fire Department Did
Roof cuts to vent the fire, trusses and rafters cut to get at it, the volume of water put on the structure. Fireground operations are part of the loss and go on their own lines. Engineered lumber that has taken heat and that much water rarely comes back.
04
The Water from the Hose
Suppression water soaks the floors and ceilings below the fire. That is a water rebuild inside the fire claim, written with the same boundaries as any water loss: continuous flooring to the break, paint to the corner, two coats.
Code Note

A fire rebuild goes through permit, and permit brings the house to current requirements: hardwired smoke and CO detection, current electrical, and framing sized to today's provisions where the structure is rebuilt. Each is written as a code upgrade on its own line.

What Comes Back

A room-by-room estimate that separates replace from clean-seal-paint, carries the heat damage that doesn't look burned, puts fireground operations and the suppression-water rebuild on their own lines, and writes electrical, HVAC, and odor treatment as the trade lines they are. Room-by-room photo report. Measured sketch.

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