House fires can be traumatic, scary, and incredibly destructive. If you recently experienced a house fire, you may feel like you’re in over your head. Unfortunately, when the insurance company denies your claim, it only adds to the stress and burden of the fire. You should involve a fire damage insurance claim lawyer early in the process, whether you are about to file your claim or you are seeking to appeal a denial.
Homeowners insurance companies can deny house fire claims for a wide range of reasons, but these reasons are not always warranted. If your insurance company wrongfully denied your claim, you need an experienced fire damage insurance claim lawyer on your side.
If you recently experienced fire damage, you know how severe the effects can be. It is important to recognize the extent of the impact a fire and efforts to extinguish it can have on your property and your related expenses. The four main types of fire damage include the following:
There will be expenses associated with cleanup and repair, as well as replacement. Be sure to keep extensive photographs and records, and your attorney may instruct you to retain some physical evidence from the fire to support your claim. Contact our experienced fire damage claims legal team today to schedule a free strategy session.
If an insurance company denied your fire damage claim, your next step is to appeal the denial. This process involves several steps, and you must approach it strategically. Additionally, many insurance companies place limitations on the amount of time you have to file an appeal.
Working with a fire damage lawyer is an important step in successfully appealing a claim denial. Your attorney can help you follow these steps:
If the insurance company denies your appeal, you and your attorney can discuss filing a “bad faith” lawsuit against the insurer. This type of lawsuit asserts that the insurance company acted in bad faith by denying your claim or failing to pay the amount indicated in your policy. Your attorney can determine which types of bad faith may apply to your claim denial.
In an insurance lawsuit, you can seek the damages specified in your policy, as well as some damages in excess of your claim amount. Each case is different, and not all types of damages will apply. Depending on your case, you may seek the following damages:
Your lawyer for fire damage can help you determine which damages to seek in your bad faith lawsuit. Contact us today for your free strategy session.
Every homeowners insurance policy is slightly different. Additionally, the exact coverage you will receive depends on which types of coverage you have opted to pay for each month.
However, standard insurance policies in Texas typically include coverage for damage from natural disasters, such as fire. We can help you review your insurance policy to determine whether it covers fire, and this can inform your claim limits under this type of coverage.
If you do have fire coverage and your insurance company has denied your claim for fire damage, your attorney can help you pursue an appeal in response to this denial.
When you appeal a fire damage insurance claim denial, you should work with an attorney who has extensive experience with this process. Without proper guidance and insights regarding the strategies, methods, and tactics of the insurance companies, you may not be able to effectively appeal the claim denial.
Our fire damage claims attorneys can help you review your insurance policy to determine exactly which terms your insurer violated by denying your claim. We can then assist you throughout the appeals process. If necessary, we can also follow up by filing a lawsuit.
At McLaurin Law, we have extensive experience handling fire damage insurance claims, appeals, and lawsuits. You can trust our team to guide you through this process with compassion and commitment.
Contact our team in Houston, TX today to schedule your free strategy session. McLaurin Law — When you need more than luck on your side.
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Typically, the answer to this is absolutely not. Insurance companies are looking out for their own best interests and will try to get you to settle for an offer that is far below what you deserve. At McLaurin Law, we can help you seek an appropriate settlement.
After an accident, you should typically file a claim with the insurance provider of the negligent party who is responsible for your accident. It is important that you move with haste in filing a personal injury claim with the insurance carrier after an injury has occurred. Should a lawsuit eventually become necessary, it is also important to keep in mind that in the state of Texas, you must file a personal injury lawsuit within two years of the date the injury occurred.
Your number one priority should be your well-being. Seek out medical advice as soon as possible to ensure that you get the treatment you need. You should also move quickly to consult with an attorney to assist you with your personal injury claim. Critical events occur early in the personal injury claims process—such as interviews with adjusters and early damages assessments—so do not delay speaking with an attorney.
Browse our growing library of multimedia educational content to better understand the rules and processes involved in your Texas injury case or insurance claim. Review the items relevant to your issue, and let us know your questions.
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We respect your privacy. The information you provide will be used to answer your question or to schedule an appointment if requested.
Office Hours: 8:30 AM - 5:00 PM
Available by Phone: 24/7
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