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(713) 461-6500
(713) 461-6500

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?

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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Related Practice Areas

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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.

Theft And Vandalism Claims

FAQS About Theft And Vandalism Claims

Below are some frequently asked questions about Theft and Vandalism Claims:

What is the difference between vandalism and theft, and how might it affect my claim?

Commercial insurance policies often cover losses due to vandalism, or the intentional destruction or defacement of property, but will not cover theft or burglary losses. This can be particularly complicated in cases where vandalism leads to the theft of certain items on the premises.

Homeowners’ and renters’ insurance policies generally cover vandalism and theft for residential properties. If you own your home, your homeowners’ policy will cover damage to the structure and your contents or personal belongings. If you rent your home, the property owner’s policy will cover damage to the property, while your renters’ insurance will cover your personal belongings inside the home.

Can my insurance company adjust my coverage based on my risk?

Insurers often don’t like paying claims for damages sustained by their policyholders. They may assess the risks associated with your home or business location and income levels and adjust their coverage limits, so they have a decreased responsibility to pay for damages due to theft or vandalism.

For commercial policyholders, your insurance company may require you to minimize the risk of vandalism or theft. Your insurance company could require you to install security cameras and devices, advanced locking systems, and appropriate lighting. Your insurance company could still require higher coverage limits if your business is in an area that reports an increased number of thefts or vandalism.

Why did my insurance company deny my theft or vandalism claim?

There are several reasons your insurance company might deny a claim. A vandalism and theft attorney from our office can help you review your policy and claim denial to determine the following:

  • Whether you can prove you owned the items listed in your claim
  • Whether you can prove that a break-in led to the vandalism or theft
  • Whether you know the value of the items taken or the damage caused
  • Whether you took proper preventive measures
  • Whether you have appropriate business interruption coverage in your policy (for commercial property owners)

How can a theft and vandalism insurance lawyer help me file and manage my claim?

A theft and vandalism lawyer with our firm can help you determine which losses listed in your policy best fit the situation and file the appropriate evidence for your claim. Your theft and vandalism claims attorney can also speak with the insurance adjusters on your behalf. Call us at (713) 461-6500 when you need more than luck!

Wind And Hail Damage Claims

FAQS About Wind And Hail Damage Claims

Below are some frequently asked questions about Wind and Hail Damage Claims:

What do I need to file a wind or hail damage claim with my insurance company?

You will need evidence that the damage your home sustained came from wind or hail.

Common signs of wind and hail damage include:

  • Lifted, torn, broken, or missing shingles
  • Fallen tree limbs or uprooted trees
  • Impact strike marks from hail
  • Dents from hail, especially on metal roofing features or vinyl siding or fencing
  • Broken windows from debris strikes
  • Broken or loose gutters and downspouts

Get an inspection if you suspect your home sustained damage during a recent storm. Roofing contractors with certifications in home inspections will often be willing to mark and take photos of the damage they identify during inspection of your home and roof. A wind and hail damage attorney with our firm can use their reports to fight for approval of your claim with your insurance company.

How can a Houston wind damage lawyer help me manage my claim after a storm?

Call our McLaurin Law wind claims attorney if your home shows signs of wind damage after a hurricane, tropical system, or particularly windy day. We can help you file your claim with your insurance company and represent you when the insurance company’s claims adjuster has additional questions.

Many insurance companies try to deny or underpay claims based on arbitrary rebuttals. For example, if you have both wind and hail damage, they may reject a portion of the claim because you filed a wind claim.

How can a hail damage lawyer help me get my roof repaired or replaced?

Hail damage often affects roofs more than any other part of the home. Sometimes hail only damages part of a roof, requiring a simple repair. Other times, you’ll have enough roof damage to require a full roof replacement. A McLaurin Law attorney can work closely with your roofer and insurance company to fight for full claim approval.

What if my insurance company still denies my claim?

Insurance companies often deny claims despite ample evidence of legitimate storm damage. When this happens, the next step is to file a lawsuit against the insurance company with the guidance of a wind and hail damage claims attorney. If your insurance company denies your claim, contact us. Call McLaurin Law in Houston, TX, at (713) 461-6500 when you need more than luck!

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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Learning Center

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.



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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Ask A Question,
Describe Your Situation,
Request A Consultation

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.
Main Contact Form
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Your Information Is Safe With Us

We respect your privacy. The information you provide will be used to answer your question or to schedule an appointment if requested.

Questions Or Schedule An Appointment?

Call (713) 461-6500

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Professional Associations

Texas Trial Lawyers Association - Professional AssociationsHTLA - Professional AssociationsHouston Bar Association 1870 - Professional AssociationsNBI - National Business Institute - Professional-AssociationsTexas Bar Foundation - Professional AssociationsInsurance Law Section State Bar of TexasState Bar Of Texas - Professional Associations

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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.
Personal Injury and Insurance Law Attorneys in Houston, TX
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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