Online tools can be a quick starting point, but burn injuries rarely follow clean averages. Local adjusters will look closely at things like:
- How much of the body was burned and where it is (hands, face, joints often matter more)
- Whether the injury involved inhalation/smoke exposure (sometimes symptoms show up later)
- Whether you needed specialty wound care or procedures (including grafting or scar management)
- Whether you have lasting effects that show up during normal life—sleep disruption, reduced mobility, nerve pain, or sensitivity in scar areas
Even if you feel like you “know what happened,” your settlement value depends on what your medical record can prove—and what the defense can credibly dispute.


