If you are dealing with damage to your property from fire, smoke, or explosions, you might be unsure of whether your homeowner’s insurance will cover the loss. Regardless of whether the fire originated inside your house, at a neighbor’s house or land, by a wildfire, or at some other location, homeowner’s insurance typically covers damage from these events.
While purchasing homeowner’s insurance is not a legal requirement in the state of Texas, your lender will require you to purchase it if you have a mortgage. Regardless of your loan status, having insurance is a smart way to manage risk and mitigate your losses in the event of an unexpected disaster such as a house fire.
If you have experienced fire-related losses, the skilled insurance claims attorneys at Kirk Law Firm, PLLC can help you navigate the claims process and advocate for the best possible recovery based on your policy’s coverages and limits.
How Broad Is Homeowner’s Insurance Coverage?
After a house fire, the last thing you need is uncertainty about your insurance coverage. Our team can review your policy to determine the full extent of your protection. We can assess whether your policy covers:
- Your home and other structures (like a garage or shed)
- Personal belongings, whether damaged, destroyed, or stolen by looters
- Temporary living expenses, such as hotel accommodations and meals while your home is being repaired
- Medical bills for you or others injured by a fire on the property
Once a loss is deemed covered by your policy, policy limits and sub-limits will determine how much the insurance will pay. Homeowner’s insurance policies will also list claims that are excluded from coverage. For example, damages resulting from a fire intentionally started by the homeowner will usually not be covered. Some policies offer only partial coverage for personal property, such as furniture, clothing, and jewelry. Additionally, depending on where your home is located, wildfires may not be covered or may have a higher deductible.
Kirk Law Firm, PLLC Can Help You Understand Your Homeowner’s Insurance Coverage
After a fire, dealing with your insurance company is just an added stressor. Unfortunately, insurance companies’ first offers are oftentimes not adequate for covering your losses or providing what you are entitled to under the policy you have paid for over the years.
If you receive an offer from your carrier, call us. Our knowledgeable lawyers can work with the insurance company on your behalf to get undisputed funds in your hands while protecting your right to future payments owed under your policy.
