At The Miller Law Firm, our attorneys understand that the aftermath of a house fire can be a difficult and stressful experience.  Insurance adjuster will try to deny your claim, even after you have consistently paid costly insurance premiums.  If your insurance company is giving you the run around you may have legal recourse.  To learn more about how our home fire claim attorneys can help you call now for a free case evaluation at 713-572-3333.

Is Fire Damage Covered by Homeowner’s Insurance?

Each homeowner’s policy is different.  The language in your policy will determine which damages are covered after a home fire.  Certain policies will cover all of the damage while others will only cover fire damage (not smoke or water damage).  Other things that might be covered include; structural damage, smoke damage, damage from falling trees and debris, personal property, roof damage, water leaks and electrical damage.

Sometimes even if all payments are made, some homeowners claims are justly denied. Common justifiable reasons for a denied home fire claim can include making false statements or not filing within a reasonable time.  The statue of limitations in Texas is usually two years so you should never wait to speak to any attorney and file a suit.

How Can A Houston Fire Damage Attorney Help Me?

Insurance adjusted are paid to resolve claims as quickly and as cheaply as possible.  After a home fire most insurance companies will try to deny your claim off the bat.  If they do not deny it immediately the first step they will take is launching their own investigation to determine the cause of the fire, the extent of the damage and the cost to repair/rebuild.  By using their own special investigators, they will look for reasons to justify blaming the homeowners for the fire so they do not have to pay any compensation.

The Miller Law Firm has the resources and relationships with home fire experts who will perform their own investigations.  This evidence can be used for negotiations and settlements with the insurance companies.  Our experts will do a more accurate job to uncover the extent of the damage in order to determine the value of the claim.  Insurance agents will often overlook certain items in an attempt to avoid or underpay valid claims.

Contact A Houston Fire Damage Attorney

House fires can cause tens or even hundreds of thousands of dollars in damage.  Texas law requires insurance companies to pay claims in a reasonable time frame and for a fair amount based on the terms and conditions covered in your homeowner’s policy.  If you feel that your insurance company is not holding up to their requirements, contact The Texas Bulldog today.  Adam Miller will review your case for free and let you know what steps to take after a house fire.