Smoke & Fire Damage Claims
Has Your Insurance Company
Denied or Underpaid Your Claim?
At Zar Law, our insurance claim lawyers understand the tumultuous aftershock that a fire can cause. From clothing to appliances to irreplaceable memories, all can be lost due to fire damage. Having a valid insurance claim denied after the fact only deepens the wound left behind. Even where there is insurance for a loss, there may also be portions which are in fact not insured, or where the limits of your policy are insufficient to cover the extent of the damage you sustained. In those case you can sue for negligence.
Whether you own residential or commercial property, there are a variety of issues to deal with in the event that your home or business is damaged as a result of a fire. Oftentimes, you must act quickly to ensure that your insurance company provides fair and just compensation to cover repair costs.
Most property owners are unaware of exactly what their property insurance policy covers until the time comes to file a claim for fire damage. These policies with the insurance company are often complicated, difficult to understand, and leave policy holders unsure what they can recover after a fire has caused significant property damage.
Our Houston-based Insurance Claim Law Firm is here to help you and to provide you with answers and direction 24/7. We exclusively represent policyholders pursuing valid insurance claims, including claims for fire and smoke damage.
WHY YOU NEED AN ATTORNEY
Maximum Compensation For
Smoke & Fire Damages Claims
Even if your home or business has been damaged by a storm, and even if you’ve done everything required of you to file your claim, you may still run into hassles getting your insurance company to play fair.
It’s extremely important to understand everything there is to know about your particular insurance policy, including how your insurance company will pay out. The following is a list of common problems experienced by insurance policy holders when filing a claim:
- Insurance companies look for excuses to justify denying your claim, such as subtle loopholes and vague wording within your policy. Be aware!
- The evaluation of damage to your home or property might be much lower than what you expected and need to repair your property—and truth be told, much lower than what is fair. The insurance company may also try to minimalize your incurred expenses, such as overnight hotel stays, rental vehicles, and more.
- Insurance companies will sometimes refute their obligation to provide you with defense to claims made under liability insurance.
In order to avoid being taken advantage of, you must learn all the ins and outs of your policy. Additionally, should a damaging storm occur, be sure to do whatever you think is necessary to prevent or reduce any further damage. With all this being said, should you find yourself involved in a policy dispute with your insurance company, Zar Law Firm is here to help. We understand the “games” some insurance companies play and will make sure you get the money you have coming to you.