OUR SERVICES
Every fire claim is different, but the goal remains the same: understand the process, avoid costly mistakes, and ensure important issues are not overlooked.
Ember Consulting is designed to provide structured guidance and support to help clients navigate the complexities that often follow a fire loss.
All clients begin with a Claim Setup & Strategy session prior to any ongoing support services. This initial session helps establish claim organization, identify key areas of concern, and create a clearer understanding of the claim process moving forward.
Services are currently available only for fire claims located within the State of Michigan.
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
$149 One-Time
- 60-minute one-on-one strategy session
- Initial policy and coverage discussion
- Fire contents inventory guidance and planning
- Guidance on documentation, organization, and common pitfalls
- Educational overview of how insurance companies commonly evaluate contents claims
- Personalized next-step recommendations based on your situation
This session is designed to help clients better understand the fire claim process, improve claim organization, and build a clearer strategy moving forward.
If you would like continued guidance and structured support throughout the fire claim process, Ember Consulting also offers ongoing support options designed to help clients stay organized, informed, and better prepared at each stage of their claim
Guided claim support
Ongoing Written Fire Claim Guidance & Review
$900 Paid in Full — 90 Days
$1,600 Paid in Full — 180 Days
or
$349 Per Month (month-to-month)
Clients who choose the monthly option may cancel prior to the next billing cycle without further billing.
Designed for clients 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 secured online portal
• Fire contents inventory guidance and organizational assistance (clients remain responsible for building and submitting their own inventory)
• Review and discussion of insurance communications, estimates, and documentation
• Identification of potential undervaluation concerns or overlooked items
• Guidance regarding documentation gaps, depreciation concerns, and claim- related questions
• Strategic guidance on how to respond to insurance requests or concerns
• 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 fire claim support
Option 1: $2,500 upfront — 90 Days
or
$950 per month (month-to-month)
Option 2: $4,000 upfront — 180 Days
or
$850 per month
(month-to-month)
Clients who choose the monthly option may cancel prior to the next billing cycle without further billing.
Designed for clients 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 Ongoing Written Fire Claim Guidance & Review, plus a more involved level of strategic support and claim analysis, including:
- Scheduled weekly strategy calls
- More in-depth review of claim documentation, estimates, valuation concerns, and depreciation issues
- Advanced guidance regarding claim positioning, organization, and settlement- related strategy considerations
- Guidance regarding escalation options, including supervisor review requests or Department of Insurance complaint processes
- Assistance structuring written responses, documentation submissions, and claim-related communications
- Ongoing strategic review and discussion as the claim progresses
This service is intended to help clients 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.