Midland & Odessa Personal Injury Attorneys
Call Today 432.214.8125

Pursuing a Fire Damage Claim for Your Residential Property

When your home has been damaged by a raging wildfire, or by a fire intentionally set by someone else, you have the right to file a fire damage claim with your homeowner’s insurance company. Of course, even though the insurance company should honor the true value of your claim, the reality is that you may face obstacles to receiving fair compensation.

At the Dean Law Firm, our seasoned negotiators and attorneys can help you navigate the minefield of a fire damage claim. Because these cases are often complex – and require a lot of negotiation with the insurer – you can count on us to handle the details on your behalf, and ensure that your voice is heard throughout the process.

What Can I Expect During a Fire Damage Claim?

Between working with fire restoration companies and trying to secure alternative lodgings for you and your family, the aftermath of a fire can be a stressful time. Unfortunately, many unscrupulous insurance providers take advantage of this fact, and play on the stress of harried homeowners to mitigate their own financial losses.

In order to be successful with your claim, you’ll need to gather proof about what happened in the fire, and determine who is liable. This is to prevent the insurance company from claiming that the fire damage does not fall under your policy agreement, or suggesting that the fire was your responsibility. Once you’ve called 911 and the ash has settled, your very next step should be to call an experienced attorney.

Here’s what else you can expect from the process:

  • Participating in investigations and interviews: To understand exactly what happened (and who was culpable), the insurance provider will send investigators and interviewers to the scene, and question you and your family members about the circumstances. If the police suspect that arson may have been involved in the fire, you may be working with police officials as well, as arson is a criminal offense. Either way, it can be difficult to face these interviews alone – and a single misspoken word can be used against you later on during your claim.
  • Gathering evidence: Whether the fire was started by an errant candle, a next door neighbor’s fireworks display, or a raging natural wildfire, the insurance provider will seek to establish how the fire began. This usually involves using scientific analysis, as well as working with the manufacturers of faulty appliances or defective products that could have caused the fire.
  • Negotiating the level of coverage for your home: Depending on how much damage was sustained during the fire, you may be able to ask for the full replacement value of your property – or the insurance company may choose to offer only compensation for certain specific areas.That means there will be a lot of negotiation, so it’s important to have someone on your side who can comfortably negotiate and bargain with the insurance company.

Fearless Representation for Your Insurance Claim

Once the insurance company has provided you with a first offer, it’s strongly recommended that you review the details with a trained attorney first, if you have not already worked with one throughout the claims process. Insurers tend to provide very low estimates at first, knowing that affected families will take the first opportunity they get to cover their losses. This could mean a serious loss to you and your family.

If your home has been destroyed or impacted by a major fire, don’t hesitate to contact our team at the Dean Law Firm. With a strong understanding of the laws, regulations, and requirements in the state of Texas, we can help you get a fair offer from the insurance company, while also finding a suitable solution for your home.

Call (432) 214-8125 today to speak with our skilled legal team in Midland.

Categories: