RENTERS FIRE CLAIM SUPPORT
Whether you experienced a partial apartment fire, smoke damage event, or a total-loss rental fire, Ember Consulting provides guided support to help renters better understand and navigate the insurance claim process after a fire loss.
When you're ready to begin, the first step is scheduling your Claim Setup & Strategy session.
This session is designed to help you better understand your claim, organize priorities, and build a structured plan moving forward.
Fire Claim Setup & Strategy Session
A focused introductory session designed to help renters understand the fire claim process and organize the next steps after a loss.
$79 One-Time
- Initial claim and situation review
- 60-minute one-on-one strategy session
- Guidance regarding contents inventory preparation
- Explanation of common fire claim terminology and process steps
- Organization recommendations for receipts, photos, and supporting documentation
- General review of insurance estimate structure
- Strategy guidance regarding next steps in the claim process
Many renters feel overwhelmed after a fire loss. This session is designed to provide clarity, structure, and direction during the early stages of a claim.
Guided RENTERS claim support
Ongoing Written Fire Claim Guidance & Review
$600 Paid in Full — 90 Days
$1,050 Paid in Full
— 180 Days
or
$249 Per Month (month-to-month)
Clients who choose the monthly option may cancel prior to the next billing cycle to avoid further billing.
Designed for renters who want continued guidance, organization support, and ongoing claim strategy assistance throughout the fire claim process.
Services may include:
- Ongoing message-based guidance and support through our secure online client portal
- Renters contents inventory guidance and organizational assistance
(Clients remain responsible for preparing and submitting their own inventory and claim documentation.)
- Review and discussion of insurance communications, estimates, inventories, and supporting documentation
- Identification of potential undervaluation concerns, vague descriptions, grouped items, or overlooked contents
- Guidance regarding documentation gaps, depreciation concerns, and claim-related questions
- Strategic guidance regarding how to organize and respond to insurance requests, questions, or documentation needs
- Continued claim organization and process support throughout the service period
This service is intended to help clients remain organized, informed, and better prepared while navigating a complex fire loss claim.
Full RENTERS fire claim support
Option 1: $1,500 upfront — 90 Days
or
$549 per month (month-to-month)
Option 2: $2,500 upfront — 180 Days
or
$499 per month
(month-to-month)
Clients who choose the monthly option may cancel prior to the next billing cycle to avoid further billing.
Designed for renters navigating more complex fire claims who want a higher level of personalized guidance, strategic support, and ongoing claim review throughout the process.
Includes All Services Within Renters Fire Claim Guidance & Review, Plus:
- Scheduled strategy calls
- More in-depth review and discussion of claim documentation, inventories, valuation concerns, grouped items, and depreciation issues
- Advanced guidance regarding claim organization, documentation strategy, and claim positioning considerations
- Assistance structuring written responses, documentation submissions, and claim-related communications
- Ongoing strategic review and discussion as the claim progresses
This service is designed to help renters remain organized, informed, and better prepared while navigating a complex fire loss claim.
Service Does Not Include
- No inventory building
- No direct negotiation
- Not a public adjuster
- No legal advice
- Email-based support (calls only in higher tier)
- Responses within ~24 hours (Mon–Fri)
- Guidance provided progressively
Claim Setup & Strategy (Required First Step)
$249 One-Time
Scope of Work
- 60-minute strategy call
- Policy/coverage review (if available)
- Fire contents inventory game plan
- What to document / what to avoid
- How insurance evaluates your claim
- Personalized next steps
Guided Claim Support
Ongoing Written Fire Claim Guidance & Review
$900 — 90 Days
$1,600 — 180 Days
- Email-based guidance and review
- Inventory guidance (not building)
- Review of insurance responses & estimates
- Identify undervaluation and missing items
- Direction on what to push back on
- Strategic response guidance
Full Fire Claim Strategy Support
Advanced Guidance, Review & Strategy
$2,500 — 90 Days
$4,000 — 180 Days
- Everything in Guided Support
- Weekly strategy call
- Advanced valuation & settlement strategy
- Escalation guidance (supervisor / DOI)
- Help structuring responses
Settlement Strategy Consulting
Insurance companies employ experienced adjusters and legal teams — our settlement strategy consulting levels the playing field by applying the same analytical rigor to evaluate every offer, identify underpayments, and build a case for the settlement clients are owed.
Offer Evaluation
We review every insurer offer line by line, comparing it against your policy terms, replacement cost estimates, and documented losses to identify gaps.
Underpayment Identification
Many claims are underpaid due to missed line items, depreciation disputes, or misapplied exclusions — we surface these discrepancies with documentation to support your position.
Maximum Fair Settlement
Our goal is not a quick close — it is the settlement amount the policy and the facts of your loss actually support.