Fire Damage

Fire Damage 2017-09-11T16:58:54+00:00

Fire Damage Insurance Claims


Fires can destroy homes, businesses, personal items, and cause injuries and death. Wildfires can lead to additional damages, including water contamination and soil erosion. Fires leave lasting effects including black soot, extinguisher foam or retardant, odor, smoke, dust and debris. Professional clean up and restoration services are often necessary to mitigate fire damage, but are also costly.

If your property has been damaged in a fire, you should seek the assistance of an experienced Houston insurance claims lawyer. Attorney representation during the claims process can greatly enhance your financial recovery from the insurance company. Wyly & Cook, PLLC is experienced in all aspects of fire insurance claims and settlements.

We have for years helped clients with fire damage to their homes and businesses.   We work tirelessly to ensure that our clients receive maximum compensation for their residential and business property insurance claims.  We can help with your fire damage claim as well.

Feel free to call us at 713-236-8330 or fill out the contact form on this web page for a free consultation.


It is important to take safety precautions after a fire and listen to the fire department’s instructions. Do not enter a fire damaged building because the roof or floor could collapse. Try not to breathe any smoke or soot and wear a mask because inhaling these substances can be hazardous to your health.

In addition to smoke and fire damage, there is usually a fair amount of water damage as a result of efforts to extinguish the fire.  It will likely be necessary to hire a fire restoration company to clean up the damage and restore your property. If your home was impacted by fire, you may also need to relocate while your property is damaged or under repair, which can result in further expenses.


Fire damage and losses like structural damage, content damage, clean-up, restoration, debris removal and additional living expenses should be covered by your homeowner’s insurance policy.  Following a fire, you should immediately make a list of all your contents and take pictures and video of any fire damaged belongings.  This will help to prove-up your fire damage insurance claim.

As a general rule, your insurance company has fifteen days to acknowledge your fire damage claim and begin investigating your losses. The insurance company has an additional fifteen business days after it receives all items, statements, and forms reasonably required to accept or reject your fire damage claim in writing. If arson is reasonably suspected, the insurer has an additional thirty days (not business days) to accept or reject the claim.  The insurance company must pay you within five business days after notifying you that your claim is accepted.

If your insurance company wrongly delays, denies or underpays your valid fire damage claim, the company can be held liable under the Texas Insurance Code, the Texas Deceptive Trade Practices Act (“DTPA”) and Texas common law. Damages include policy benefits, statutory interest penalties, additional damages (also known as treble damages), attorney fees and court costs.


Dealing with your insurer following fire damage can be intimidating and complex. Insurance companies often try to pressure victims into settling quickly for smaller settlements than they are entitled to receive. Denial of coverage and sudden policy cancellation with no good explanation are some of the tactics used by insurance companies.  Our firm can counteract these tactics and provide you with experienced, skilled and dedicated representation.

We’ve helped countless residential and commercial policyholders with fire damage pursue maximum compensation from their insurers.  Our experienced attorneys can assist you with all aspects of your fire insurance claim and help you seek maximum settlement from the insurance company. If your insurance company is acting in bad faith or taking advantage of you in some way, do not hesitate to contact our firm to protect your rights and interests.

Call us today at 713-236-8330 or fill out the contact form on this web page for a free consultation. We can help!