04/10/2026
At Stokes Public Adjusters, LLC, we don’t just “look” at fire damage…
👉 We investigate it like a forensic case.
Here’s what most insurance companies overlook:
▪ Hidden electrical damage behind walls
▪ Toxic smoke & soot contamination (not just surface cleaning)
▪ Structural weakening from heat exposure
▪ HVAC system contamination spreading smoke throughout the home
▪ Improper “clean instead of replace” recommendations
🚨 If it burned, melted, or was exposed to heat—there’s a real argument for replacement.