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Fire Damage Insurance Claim Lawyer in Houston, TX

At McLaurin Law, our experienced fire damage lawyers help clients to file a fire damage insurance claim, and we manage appeals and lawsuits when valid claims have been denied by the insurance policy.
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Do You Need a Fire Damage Insurance Claim Lawyer in Houston, Texas?

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.

Types of Fire Damage

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:

  • Flame damage: Obviously, damage occurs from the actual flames within the fire, burning the furniture and structures in their wake.
  • Smoke damage: The extensive smoke within house fires can cause lasting odors, paint discoloration, stained fabric, and health issues.
  • Water damage: Your home may also have water damage from the attempts to extinguish the fire.
  • Chemical damage: The combination of substances making up objects burned or melted in the fire and the substances used to extinguish the fire can create dangerous chemical damage which may lead to severe cosmetic or structural issues, and these substances may also pose additional health risks within your home until properly cleaned, treated, or removed.

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.

How to Appeal a Fire Damage Claim Denial in Houston, Texas

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:

  • Reviewing your policy coverage and denial letter.
  • Determining where your insurance company went wrong in its claim denial.
  • Gathering evidence to support your appeal.
  • Filing an official appeal with the insurance company, including the evidence you’ve gathered.
  • If deemed appropriate, filing a complaint with the Texas Department of Insurance.

How Much Compensation Can You Seek in a Fire Claim Dispute Lawsuit in TX if You Believe the Denial was in Bad Faith?

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:

  • Statutory penalties
  • Interest
  • Economic losses
  • Mental anguish
  • Court costs
  • Attorneys’ fees
  • Treble damages (up to 3 times the actual damages if Chapter 541 of the Texas Insurance Code was knowingly violated)

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.

Does Texas Homeowners Insurance Cover Fire Damage?

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.

How Can a Fire Damage Insurance Claim Lawyer Assist You?

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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Why Choose McLaurin Law?

Free Consultations: Whenever you need legal advice, McLaurin Law offers consultations for free. Depending on the circumstances of your case, our lawyers are happy to allot a 30-minute free consultation and strategy session.
Insider Advantage: Our lead attorney, Jason C. McLaurin, has previously worked as an insider for insurance companies. His experience in the industry allows him to guide clients in choosing comprehensive insurance policies and exploring strategies in case of denied claims.
Years of Experience: Since 2017, McLaurin Law has served hundreds of clients in Houston, Texas. The firm focuses on commercial and insurance laws and handles personal injury cases, ranging from road accidents to maritime liabilities.
Available 24/7: Legal troubles can arise at any day or time. McLaurin Law has your back if you need legal advice in the wee hours of Sunday. Our lines are open 24/7, and you can book a consultation online.

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Frequestly Ask Questions

Should I Take What the Insurance Company Offers Me?

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.

What's the Time Limit for Filing a Claim?

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.

What Should I Do after an Injury?

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.

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Contact McLaurin Law, PLLC

Schedule a consultation with McLaurin Law, PLLC if you have an insurance issue, or if you have suffered an injury or property damage in Texas. We will review your personal injury case, assess your insurance claim or appeal, address your questions, and strategize paths to seek fair compensation. We aggressively pursue our clients’ interests, armed with an insider’s perspective on Texas insurance claims. Call our office or fill out our online form to get started.
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Call (713) 461-6500 or fill out the short form below. We will respond within 1 business day. Don’t hesitate, your questions are welcome.
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Whether you are recovering from a personal injury or attempting to recover compensation with an insurance coverage claim or appeal, our legal team will vigorously advocate on your behalf.
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The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. Contacting us does not create an attorney-client relationship
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