The damage can be severe: total destruction; fire and water damage together; smoke damage that renders the entire property uninhabitable, or it can be limited to only a portion of your property. Victims of fire are often left in shock and turn to their insurance companies for guidance. Unfortunately, fire insurance claims can be complicated, and oftentimes, insurance companies look for ways to delay, underestimate the value of your house fire insurance claim, or even outright deny your fire damage claim.