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When a puff-back in the chimney of the home of a Rhode Island manufacturing company’s CEO caused extensive damage throughout his family’s elegant 7,200-square-foot Colonial home, his claims adjuster faced a complex case: The smoke damage to the decorative painting on the living room walls would require careful restoration, while the cleaning of a collection of 19th century books would call for an entirely different expert.

The entire repair would take several weeks to complete, and while the home may have been technically “habitable,” it would not be appropriate for the CEO’s 7-year-old son, who suffers from asthma. Finding appropriate and comparable alternative accommodations would become one of the greatest challenges for the adjuster in this case.

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