Fire & Smoke Damage

After experiencing a fire, whether it is at home or your place of work, a million things will be spinning through your mind, from finding living essentials like shelter, clothing and and food to figuring out how you will ever recover from this disaster. Panakio Adjusters can help you each step of the way. We will coordinate securing your property, review your policy for coverage, and help you inventory each item that was damaged by the fire, soot or is in need of odor mitigation. From there we can assess the damages caused by the fire, smoke or soot on the major structures such as the roof, walls, siding, windows and utilities. Our team will obtain estimates for repairs/replacements for each item from our licensed contractors and represent you and your interests with the insurance company.

The Panakio Process

Evaluate and analyze the policy coverage.


Assemble a team to discuss the claims process with the policy owner.


Coordinate with demolition and boarding companies to safeguard the property.


Assess the damage of a residential property by taking a detailed inventory of personal furnishings, equipment, appliances, fixtures and furniture.


Assess the damage of a commercial property by taking a detailed inventory of machinery, technology, equipment, and furnishings. We also evaluate the loss of sales, income, and determine business interruption losses.


Estimate the cost of repairs and replacement pieces needed at the property.


Determine the value of the loss and compare it to the estimates of the insurance company.


Represent and negotiate on behalf of the owner in settlement hearings and meetings.


What our clients are saying

Lori A.

Thank you so much for your help! I would recommend you to anyone I know who has a disaster!

Daniel P.

I don’t know how I would have resolved my insurance claim without the advocacy of Panakio Adjusters.

Camille D.

I was more than satisfied with the hard work Tim Lehr did to make a stressful disastrous situation a walk in the park. I sat back while Tim handled it all and didn’t settle until he was satisfied. My one regret is that I didn’t call Panakio for my ice damage last winter. Thank you Tim for a job well done!

Kevin C.

I called Melissa after we lost everything in a house fire. With her calm presence, she took control of the situation, worked with our insurance company, and kept us apprised every step of the way. Within two weeks, we had our claim settled. I cannot recommend Panakio Adjusters enough!

John N.

Panakio Adjusters is hands down the best PA firm on the North Shore. Call Panakio first!

Jean M.

I had no idea what a Public Adjuster was until I had a fire in my historical home in Winchester. I never could have made it through this with the detailed estimates and emotional support from Panakio Adjusters.

Lori P.

If you hire Panakio Adjusters, you are in great hands. We are so grateful to them for helping us through our own fire tragedy.

Judy M.

Not only did Panakio guide me through the claims process, they also assisted me with temporary housing which made all to difference while we were waiting for our home to be repaired,

Mary L.

Thank you so much for all of your hard work! I can’t imagine dealing will all of the aspects of my insurance claim without Panakio Adjusters.