Fire and Smoke Damage

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In Texas and most other states, fire and smoke damage are perils covered on all homeowner and commercial property policies. Because of this, policyholders are often taken back when their property insurer denies or underpays their claim for these damages. Unfortunately, this is a common practice for many insurance companies in an attempt to minimize their payout responsibilities.

If you’ve experienced fire and smoke damage and your insurance company has underpaid or denied compensation for your claim, contact one of our experienced insurance attorneys to evaluate your case. The consultation is free, and you pay nothing unless we secure a successful result for you.

COMMON DAMAGES:
  • Property loss
  • Additional living expenses due to property loss
  • Loss or damage to personal belongings
  • Water damage
  • Roof damage
  • Broken windows
  • Structural damage
  • Ash residue and paint discoloration
  • Business income loss
  • Vehicle loss or damage
Frequently Asked Questions
I’ve experienced a loss due to fire or smoke damage. What do I do next?

If you’ve experienced a loss due to fire or smoke damage, document all related damages and property loss and file a claim with your insurance company as soon as possible.

My claim was denied, or only partial repairs were given. What do I do now?

If you’ve contacted your insurance company regarding an insurance claim and have been denied or underpaid, you should immediately:

  • Document all conversations and interactions between you and your insurance provider/agent
  • Keep a file of all documents/photos of damages so you can preserve evidence of your loss.
  • Contact an insurance attorney

You may be entitled to more compensation than originally offered by your insurance company. With detailed claim information and review of your policy documents, an insurance attorney can determine if you have a case.

Does Potts Law handle both homeowner's and commercial property claims?

Our practice at The Potts Law Firm includes both homeowners’ and commercial property owners’ claims involving fire and smoke loss, and damage and economic loss.

Why should I seek counsel from an insurance attorney for my fire and smoke damage claim?

Seeking counsel from an insurance attorney is essential when resolving an insurance dispute for fire and smoke damage. Insurance attorneys possess the knowledge to interpret insurance contract language while also considering their knowledge of insurance laws. If you find yourself facing an insurance provider who’s promised coverage but has denied or underpaid your insurance claim, it is important you speak to an attorney who can help you understand your rights.

What are common reasons/ways insurance companies delay, underpay or deny recovery for fire and smoke damage?
  • Attributing the damage to wear and tear
  • Stating the damage is merely cosmetic
  • Underpaying/omitting certain repairs to result in a repair cost that is below your deductible
  • Delay in handling and payment of the claim
What are common issues policyholders face when filing a fire and smoke insurance claim?

When filing a fire and smoke claim, policyholders may experience some of the following issues:

  • Complex insurance coverage claims, forms, and disputes
  • Bad faith claims (when an insurance companies does not operate with good faith and fair dealing)
  • Low ball payments by insurance companies (underpayment of recognized and approved claims)
What does a standard homeowner or commercial policy cover?

When filing a fire and smoke claim, policyholders may experience some of the following issues:

  • Complex insurance coverage claims, forms, and disputes
  • Bad faith claims (when an insurance companies does not operate with good faith and fair dealing)
  • Low ball payments by insurance companies (underpayment of recognized and approved claims)
Have a question?