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When your home is damaged by fire, the emotional and financial toll can be overwhelming. Your house isn’t just a building — it’s your safe place, your memories, and your future. But when insurance companies delay, deny, or underpay your fire damage claim, your stress multiplies.
At The Miller Law Firm, we represent Texas homeowners who are fighting with their insurance providers after a house fire. We help you get the compensation you need to recover — without the runaround.
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.
What Should Be Covered in a Fire Damage Claim?
Most homeowners’ insurance policies cover a range of losses caused by fire. These typically include:
Structural damage to your home
Smoke damage and soot removal
Loss of personal property
Temporary housing and living expenses
Damage to landscaping, fences, and other structures
However, some insurance companies try to deny parts of your claim. They may say the damage is “cosmetic” or not covered. Worse, they may blame you or your family for causing the fire.
That’s where we step in.
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.
Common Tactics Insurance Companies Use
Insurance companies are in business to make money. Even though you’ve paid your premiums, your insurer may use delay tactics, lowball offers, or deny claims without clear justification.
These are common strategies:
Saying the damage isn’t as bad as you claim
Arguing the fire was caused by neglect
Refusing to pay for personal belongings
Delaying adjuster visits or paperwork
Pressuring you into a fast (and unfair) settlement
Because of these tactics, many homeowners give up or accept less than they’re owed. You don’t have to make that mistake.
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.
The Texas Bulldog Can Help
“Fires destroy homes, but insurance companies can destroy hope. I fight to make sure you get the recovery you paid for.”
— Adam Miller, Home Fire Claim Lawyer, Houston
We’ll inspect the damage, review your policy, document every loss, and build a case that forces your insurer to act — or face us in court.
What to Do After a House Fire
If you’ve had a fire, here are important steps to take:
Report the fire to your insurance company
Take photos and videos of the damage
Secure the property to prevent further damage
Keep receipts for temporary expenses
Do not accept any settlement without legal advice
Acting quickly helps preserve your claim. But even if weeks have passed, we can still step in and take over the fight.
Call The Texas Bulldog for Help
You’ve lost enough already. Don’t let your insurance company get away with more. Let us take on your fire damage claim and fight for what’s rightfully yours.
📞 Call 713-572-3333 or schedule a free consultation. We think we are the best attorneys in town, but don’t just take our word for it. Check out our countless ⭐ ⭐ ⭐ ⭐ ⭐ 5 Star Reviews on Google!
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