Houston Fire Insurance Claims Attorneys

Houston Fire Insurance Claim Attorney Serving All Of Texas

A fire to your home or business can cause a complex set of problems. You must find a place to live, salvage your possession, hire contractor, and rebuild your life. Before all that can happen, your insurance company needs to adjust and pay your claim

FIRE CLAIMS ARE COMPLEX AND OFTEN DRASTICALLY UNDERPAID OR DENIED  

 If your home or business has been damaged by a fire in Houston, there are a few things you need to know. 

• Insurance companies often do not fully or fairly evaluate fire damage. 
• Fires can cause structural problems to your home or business that require extensive repairs. 
• Fire damage can cause complex problems to your electrical system, HVAC, and other systems.
• Fires often require expensive code upgrades to your home. These upgrades are often covered by your policy. 
• Smoke and soot damage both cause physical damage and leaves a terrible lingering smell requiring extensive work to the paint, drywall, insulation, and flooring. 
• Most insurance companies significantly undervalue damaged personal property. Why? They normally do not inventory your personal property or simply ignore or undervalue the contents portion of your claim.  
• Insurance companies will often deny large portions of the work your contractor believes is related to the fire. 

Just because your insurance company has denied or undervalued your claim doesn’t mean it is right. 

You need to fight back to receive the insurance benefits you paid for. 

Insurance companies have an obligation to adjust and pay claims promptly. 

Many times, exerting legal pressure with the help of a fire insurance claim lawyer can change the outcome of your case.

If the insurance company denied your claim, call the fire insurance claims attorneys at MIC Firm.

Our Houston fire insurance claim lawyers will investigate your claim denial and advise you of your legal options.

If you would like to learn more about fire insurance claim denials, keep reading.

FIRE DAMAGE COVERAGE

A structure fire can result from lightning, candles, electrical malfunction, or many other everyday events.

Fires not only pose a threat to human life, but they can also quickly destroy a structure.

Most homeowner’s insurance policies cover fire damage to a dwelling as well as personal property, landscaping, and additional structures on the property.

SMOKE DAMAGE COVERAGE

Smoke can saturate fabrics like carpets, rugs, and curtains.

Smoke can also discolor flooring, woodwork, and counters.

Smoke damage insurance claims depend on whether these household items need cleaning and repair or replacement.

A homeowner’s insurance policy usually covers damage by fire, smoke, soot, or ash.

PARTIAL VS. TOTAL LOSS

When assessing fire damage insurance claims, an insurance company might declare the property a partial or total loss.

A partial loss means that the property has some damage but not complete destruction. 

A total loss refers to property that is completely destroyed. This property cannot be repaired and requires replacement.

If the foundation of your property sustains fire damage, then the insurance company may declare your property a total loss.

REASONS YOUR CLAIM MAY BE DENIED

Even if you’ve dutifully paid your insurance premiums on a policy that covers fire damage, your claim could still be denied.

An insurance company will work with appraisers and investigators to determine the extent and validity of fire damage claims.

After investigating, the insurance company might find some reason to deny your claim. You may find yourself in this frustrating situation for one of these reasons.

Arson Allegation

The insurance company may claim that you set the fire intentionally.

Different Valuation

The insurance company may say your property is worth less than you believe.

Insurance Terms Violation 

Your insurance policy likely includes lots of fine print, including specific terms.

For instance, if you were conducting an illegal act, such as using drugs, and caused the fire, the insurance will likely deny the claim.

Accusation of Fraud

The insurance company may accuse you of committing insurance fraud. For instance, the company may believe that some of your property was damaged before the fire.

HOW A HOUSTON FIRE INSURANCE ATTORNEY CAN HELP

If your insurance company denied a fire damage claim, an experienced fire insurance attorney could help.

A Houston fire insurance claim lawyer will investigate your claim, advocate for your rights, and negotiate with the insurance company for the settlement you’re owed.

At MIC Law Firm, we represent wrongfully denied policyholders in disputes with their insurance companies.

We’ve helped hundreds of clients recover collective millions of dollars from insurance companies. We want to help you too. 

To start, we offer a free consultation where we will review your case and determine your best legal options.

Then our fire insurance claim lawyers will negotiate with your insurance company for your maximum compensation.

Give us a call so we can work together to try to get your wrongful insurance claim denial reversed.