We are Houston fire insurance claim lawyers. At Haun Mena, we represent people who have suffered fire damage in their insurance claims. We are full-service insurance claim lawyers serving Houston, and our law firm can help you at any stage of your case. Call 713-874-9216 or message us for a consultation regarding your claim.
Fire Insurance Claim Lawyers Serving Houston
We take claims in Houston and the surrounding areas.
When you need a fire insurance claim lawyer, contact us. The Haun Mena law firm represents people, businesses, and organizations in insurance claims for fire damage.
If you need a lawyer for fire damage in Houston, or if you’re unsure if legal representation is right for you, we invite you to call or message our law firm.
How a Fire Insurance Claim Lawyer Can Help You
Here are some of the ways our Houston fire insurance claim lawyers assist our clients:
- Guidance for what to do first and what to do next
- Documenting damages when there is fire or smoke damage
- Taking the necessary steps to preserve your rights
- Reviewing your policy to determine coverage and exclusions
- Filing your claim, speaking to the insurance company
- Valuing the cost to rebuild and repair and your case value
- Ensuring that no types of losses are omitted from your claim
- Responding if the insurance company denies your claim
- Gathering the facts to prove your right to compensation
- Pursuing a legal claim, if necessary, drafting and filing legal documents
- Litigating your case in full until you receive justice
- Providing counsel and guidance so you understand the process
Our lawyers pursue your case with the insurance company, including handling negotiations on your behalf. We also handle claims that go to court. In whatever way you may need a Houston fire insurance claim lawyer to represent you, the Haun Mena team works to deliver justice.
Causes of Fires
Common causes of fires damaging homes and businesses include:
- Cooking (the leading cause of house fires)
- Storms, including lightning
- Electrical malfunction
- Heating systems, including space heaters and furnaces
- Gas explosions
- Spread from another nearby fire
- Christmas trees
Documenting the cause of a fire is important to any insurance claim. Our lawyers can build the evidence in your case, including working with an independent investigator to document the cause of the fire and respond to any inaccuracies in the insurance company’s report.
Representing People and Business in Fire Damage Claims
If you have suffered loss from a fire, insurance may cover your losses. However, getting the payment you deserve isn’t always easy. Our experienced legal team specializes in insurance claims, including those involving fire. We focus on representing people and helping them receive justice and fair compensation.
Issues in Fire Damage Insurance Claims
As lawyers, when we represent a client, we use our experience to anticipate legal issues that may arise in the case. Here are some common problems and questions that may be important in a fire insurance claim:
Underestimating the cost of repair
When there is fire damage, a home, business, or other structure may need to be rebuilt. Smoke may need to be cleared of its odor and color. The structure may need to be sanitized. Internal systems like electrical or plumbing may need to be addressed. Too often, insurance companies underestimate losses and offer settlements that are far too low.
The insurance company may claim that the losses aren’t covered under the terms of your policy. For example, they may say that a lack of maintenance was an underlying cause of the fire, so losses aren’t covered. Our legal team can fight for the compensation you deserve, reviewing policy details and preparing evidence on your behalf.
Types of coverage
Our experienced team can look at the losses you have and the types of insurance coverage that apply. We look at possibilities for dwelling coverage, other structure damage, personal property, loss of use, and other policy coverages that may provide needed compensation.
Business disruption or interruption
If your business suffers a fire, normal operations may be disrupted or interrupted. Insurance may cover these losses and the costs to mitigate the interference. We look for this coverage and ensure that you value its true worth.
Our legal team personalizes our representation to your needs. We look at what issues may be critical, and we address them in the appropriate way for each client we represent.
Mistakes to Avoid in Fire Insurance Claims
If you have suffered damage from a fire, you want to do what will make the claim process as simple as possible. Here are some critical mistakes to avoid:
Delaying in making your claim. Tell the insurance company as soon as possible if you have losses because of a fire. Don’t say too much, like speculating about the value of damages or other things that you’re unsure of. However, make sure that you notify the insurance company promptly about the fire and your intent to file a claim.
Repairing things or dispose of items before you document losses. Take pictures and video of the damage. Make lists of things that have been damaged.
Signing forms or releases that you don’t understand. You could be signing away important rights.
Assuming the damage is worth what the insurance company says. Review your policy, the estimate, and the evidence you have to verify that your claim is being resolved fairly.
Hesitating to call a lawyer. You may have legal representation when bringing a fire insurance claim. The Haun Mena legal team offers free consultations so that everyone can talk to a lawyer when they suffer fire damage to their home or other structures. Contact us to talk about your case and get answers to your questions.
FAQs About Fire Damage Insurance Claims
Does homeowners insurance cover a house fire?
Homeowners insurance often covers house fires. You may also have a standalone fire policy that provides coverage. Some homeowners insurance policies have coverage exclusions, including fires caused by vermin, lack of maintenance, and intentional damage.
How many house fires are caused by fireworks?
The National Fire Protection Association reports that fireworks cause 19,500 house fires in the United States each year.
Who investigates the cause of a fire?
The fire department that responds to the fire will preserve evidence, followed by an official investigation. The insurance company will likely assign an investigator, and you may use an independent investigator if necessary.
How do you negotiate a fire insurance claim?
To negotiate a fire insurance claim, know your policy coverage and the value of your case. Be skeptical of the first offer you receive from the insurance company. Prepare evidence to counter the insurance company. Keep notes of interactions with insurance representatives.
Free Consultation – Talk to a Lawyer
At Haun Mena, we hold insurance companies accountable. We know how the insurance companies work because we used to work for the insurance companies. It’s important to us that policyholders get fair compensation when they have claims. That’s what our fire insurance claim lawyers fight for every day. If you have suffered fire damage, we want to help you, too.
To learn more about our services and how we can serve you, contact our Houston fire insurance claim lawyers for a free consultation.
Taking New Cases – Contact Us
We are taking new cases for fire damage claims in Houston. Whether your case is big or small, you deserve top-notch service. Work with the Haun Mena lawyers for fire insurance claims in Houston. Call 713-874-9216 or message us now to begin.