It may or may not be true. Obtain advice from a reputable restoration company or a qualified professional, such as a specialist lawyer. If the loss is related to a fire, the heat, smoke and water damage can be significant, even if the items were not totally consumed by the fire. Smoke odor is difficult to remove and a convenient over-simplification is for an adjuster to assert or expect damaged items to be cleaned. Experts at the Law Offices of Manuel Solis can offer you a FREE inspection of the damage you have suffered and negotiate with the insurance adjuster to make sure that you are not taken advantage of.