Fire & Smoke Damage
We help document structural and contents losses and support a complete scope so nothing gets overlooked.
ABOUT OLD DOMINION
When Your Property Is Damaged, Who's Really Protecting Your Interests?
The insurance company has their adjuster. You should have yours. Old Dominion Public Adjusters represents property owners—handling documentation, estimating, and negotiation so your claim reflects the full scope of your loss.
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Full-Scope Damage Documentation
Thorough inspections and detailed claim files so nothing gets missed, minimized, or overlooked.
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Policy & Coverage Guidance
We review policy language and build your claim around what you're entitled to under your coverage.
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Negotiation for a Fair Settlement
We communicate with the carrier and push back on low valuations—so your settlement matches the true loss.
Type of Claim
Fire, water, storm, and mold losses — each requires the right documentation, scope, and negotiation strategy.
Water & Flood Damage
From hidden moisture to rebuild scope, we organize documentation to support the true extent of the loss.
Storm Damage
We support your claim with photos, measurements, and scope detail across roofing and exterior impacts.
Mold Damage
We help connect cause, remediation, and rebuild scope so the carrier sees the full picture and path to resolution.
Google Reviews
What Virginia property owners say about us.
Real reviews from homeowners and businesses we've helped through fire, water, storm, and mold claims. Every experience is different — read what clients say about working with Old Dominion Public Adjusters.
Verified Google Business reviews · Displayed in random order
Why Choose Old Dominion Public Adjusters
4 Steps. One Advocate. Maximum Settlement Focus.
When property damage turns life upside down, you deserve a calm, experienced advocate who documents everything, builds the claim correctly, and negotiates aggressively—so you don't leave money on the table.
Resources
Watch Our Videos
Clear, practical guidance—from what to document to how settlements are negotiated.
FAQs
Public adjuster questions homeowners ask most.
Tap a question to see the answer. If you're dealing with a claim right now, use the button below to request a consultation.
We document, estimate, and negotiate so you don't have to.
A public adjuster represents the policyholder, not the insurance company. We help document damage, prepare a detailed claim, and negotiate the settlement so your claim is handled accurately.
Call as early as possible after damage occurs, especially for fire, water, storm, or large/complex losses. Early involvement helps protect evidence, improve documentation, and avoid missed items.
No. We work for you, the policyholder. Our job is to advocate for a fair, well-supported outcome based on your policy and the full scope of damage.
We assist with fire and smoke damage, water and flood damage, wind/hail/storm damage, and other covered property losses. If you're unsure, request a consultation and we'll review the situation.
You can still bring us in. We can review what has been submitted, identify missing line items, strengthen documentation, and help with supplements or negotiations if needed.
We inspect and document damages, build a detailed estimate, organize claim evidence, communicate with the carrier, and negotiate the settlement based on your policy coverage.
The goal is usually the opposite: reduce back-and-forth by submitting organized documentation and a clear scope. Timelines depend on the carrier, but strong documentation helps keep things moving.
Yes, when appropriate. We help point out documented damages, clarify scope questions, and ensure the inspection reflects what's actually present at the property.
Save photos/videos of damage, receipts, repair invoices, temporary housing costs if applicable, and any communication with the carrier. If you have a contractor estimate, keep that too.
Do what's necessary to prevent further damage (temporary mitigation), but document everything first. For permanent repairs, coordinate timing so the full scope is recorded and supported before work begins.
Yes. We can review the carrier's estimate, compare it to the actual scope, and prepare additional documentation and supplements when warranted.
Typically, public adjusters are compensated based on a fee structure outlined in an agreement. During your consultation, we'll explain how it works and what to expect before you decide.
Not necessarily. If important items are missing or the scope is incomplete, the claim can often be supported with additional documentation. We help identify gaps and present a clear, evidence-based supplement.
Timelines vary by loss type, documentation needs, and carrier response. The best way to reduce delays is to submit a complete scope, photos, and supporting information early.
Prioritize safety, stop additional damage if possible, take photos/video, and start a notes log of what happened and when. Then request a consultation so we can guide next steps.
Public Adjuster Blog
Real guidance for real claims.
Quick reads on documentation, underpayments, inspections, and timelines — built to help you make confident decisions after property damage.
What to Document After Damage So Your Claim Is Clear
Photos, notes, receipts, and the timeline that keeps your claim organized — before cleanup and repairs begin.
Why Claims Get Underpaid (And How to Catch Missing Items)
Incomplete scope, missed rooms, code upgrades, and line items — what can reduce your settlement and how to spot it.
Insurance Inspections: What Happens and How to Prepare
What the adjuster typically reviews, what to have ready, and how to keep the visit focused on the full scope.
How Long Does a Property Claim Take? A Practical Timeline
What affects speed — carrier response, documentation, complexity — and how to reduce delays without cutting corners.