Ohio Fire Claims fights only for business owners and commercial property owners, handling every part of your fire damage claim so you can focus on what counts: getting your business back.
When fire damages your commercial property, the clock starts at once. Your insurer's adjuster is already guarding their bottom line. We guard yours.
Most Business Owners Don’t Know What They’re Actually Owed
The adjuster assigned to your claim answers to the insurance company, not to you. That means the estimate they put in your hands is built to protect their payout, not to restore your business. Most commercial property owners take what they’re offered because they don’t realize another option exists. It does.
We Are Your Advocate. Your Expert.
Your Entire Claims Team.
What We Do for Your Commercial Fire Claim
From the moment you call, we take the process off your hands. You get a dedicated team working every detail while you focus on your business and your people.
- Emergency response and site inspection: we mobilize fast to assess all fire and smoke damage before anything is missed or overlooked.
- Full policy review: we read your policy the way it needs to be read, identifying every coverage and entitlement that applies to your loss.
- Damage documentation: our building estimators and contents specialists build a comprehensive, defensible record of everything your business has lost.
- Claim preparation and submission: we prepare your Proof of Loss, meet Ohio’s 60-day deadline, and present your claim professionally and completely.
- Negotiation: our licensed public adjusters go head-to-head with the insurance company’s adjusters to fight for the maximum settlement you’re owed.
- Business interruption claims: we document and fight for lost revenue and operating expenses, not just structural damage.
- Settlement review and approval: you see everything before it’s finalized. Nothing moves forward without your say.
A Full Team. Two Decades of Backing.
One Goal: Getting You What You're Owed.
A Full Team, Not a Single Adjuster
You get licensed public adjusters, building estimators, contents specialists, and dedicated support staff working together on your claim. The insurance company has a team. So do you.
Two Decades of Claims Experience
Ohio Fire Claims stands on a practice built since 2003. We know policy law, we know how insurers operate, and we know how to prepare claims that hold up under scrutiny.
No Cost Until You Recover
We work on a contingency basis. You pay nothing up front and nothing at all unless we secure a settlement for you. The financial risk stays where it belongs, on us.
A Proud NAPIA Member
We are licensed in Ohio and hold membership in the National Association of Public Insurance Adjusters. Our credentials are transparent and verifiable.
BBB Accredited
We hold an A+ Better Business Bureau accreditation, earned in 2025, and we operate to that standard on every claim.
Documentation That Moves Claims Forward
Our claim packages are thorough, accurate, and professionally presented. Insurance companies process them faster because there’s nothing to argue with.
Real Ohio Business Owners.
Real Claims. Real Results.
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I hired this team after my fire and was so happy with the services of this company I made a couple of referrals. The referrals that I made became happy clients as well.
Gina Mead
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In 2019, these guys literally changed our life. Had it not been for them advocating for us, we would have lost THOUSANDS of dollars of insurance money that was in our policy. Best decision I ever made for our family.
Otto Haentzler
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Nik, Ross, & Matt
Words cannot express how much gratitude and appreciation I have for you and your staff. The length in which you all went to lift my burden and ease my stress was remarkable — you treated me like family!
Cheers and best wishes to you all!Kathy Niver
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Matt, Ross, and Inventory Team:
Jerry and I wanted to thank all of you again for the assistance you gave us between the fire and our getting into our new home. Matt, you and Ross gave us reassurance and guidance working our way through this process. Kay, thanks to you for your extra time here trying to make sense of the cleaning inventory concerning what they did and did not do. We realize that you, Matt, made numerous visits to calm me down and give us support when we were overwhelmed with everything going on. We are very grateful. The job everyone did and the function and support of your company was priceless to us!
Thank you all!Jerry and Joyce Gillette
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It has been five years now since I needed your service. I lost my home in March of 2010 to a house fire. I was getting the run around from my insurance company when I called and met with Nik the very next day. Thanks to him and the great team he has working for him I was able to buy a new home and recover what I had coming from the insurance company for my contents and home. If you should ever need references I would be happy to meet and speak with anyone.
Nancy Jeffrey
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Thank you for all of your support during a very difficult time in my life. As you know, it was not an easy decision for me to make, however it ended up being a very good decision and one that helped me a great deal during a very emotionally difficult time. I am deeply appreciative of everything you and your fine staff did to help me and I will remember that for the rest of my life.
Thanks again for everything.Lori
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Thank you for a job well done.
J Abate
Vice President, Comerica Bank
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A tremendous weight was lifted off our shoulder knowing we had you preparing and presenting our loss to State Farm. We were able to continue our normal work schedules without all the added pressure. Thank You.
Mosby and Brenda Clark
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Thank you for the work performed on our fire claim. We are happy with the settlement. We will continue to refer you to friends, relatives, and any one we meet with a fire loss.
John Vandoer
How the Commercial Claims Process Works
With Ohio Fire Claims
A Clear, Transparent Process From Day One
You already have enough to manage. Here’s exactly how we move your commercial fire damage claim from crisis to resolution.
- Call us first. Before you file with the insurance company, call us. The earlier we’re involved, the stronger your claim.
- Free property inspection. We come to your site at no charge, assess all fire and smoke damage, and review your policy.
- Your team is assembled. We assign licensed adjusters, estimators, and specialists to your claim immediately.
- Full damage documentation. Every inch of your property, every piece of equipment, every business interruption loss is cataloged and substantiated.
- Claim submitted on your behalf. We prepare and present your claim professionally, meeting all required deadlines, including Ohio’s 60-day Proof of Loss requirement.
- We negotiate. Our adjusters go to work against the insurance company’s team, pushing for the maximum settlement your policy supports.
- You approve the settlement. You stay in control. Nothing is accepted without your review and agreement.