Fire Damage to Your Home in Texas: Here’s What You Need to Know

handing out insurance claim documents.

A home fire can be devastating. Ensuring the safety and security of your loved ones, carrying out subsequent repairs, and filing your claim can be stressful, time-consuming, and nerve-wracking. Unfortunately, most homeowners don’t know the appropriate steps to take after fire damage to their homes.

The lack of knowledge can cost you, especially when filing an insurance claim to recover the damages. If you have appropriate insurance, you should immediately hire a public insurance adjuster and initiate settlement proceedings. Here’s everything you need to know after fire damage to your home in Texas.


If you’re wondering whether fire and smoke damage is covered in a basic policy, the answer is yes. An HO3 policy will cover everything related to fire and smoke damage. In addition, if your home experiences smoke damage from a neighbor’s fire, you can be reimbursed for the damages. However, you wouldn’t be reimbursed for damages if the fire is caused intentionally.

Your basic insurance policy might not cover damages due to other factors outside the fire. For example, some insurers will only cover damage that occurred due to the flames and not any damage caused by external factors that were indirectly caused by the fire.

Such issues can lead to lengthy disputes and can even lead to the denial of your fire claim. It is important to have a solid understanding of your policy and coverage to file accurate claims and receive a fair and swift settlement.

a person using laptop and writing notes.

Filing Claims

If you want to file a claim for fire damage to your home, it is always helpful to have proof of damage, such as pictures and videos. These will help speed up the entire claims process. Hiring a public insurance adjuster is also important because they can help you understand the entire claims filing process and guide you on collecting the right evidence.

They will also assist in handling complex policy documentation and paperwork. Their expertise will also be handy when negotiating a fair and equitable settlement with the insurer.

Fires can be deadly; sometimes, unwanted incidents can occur even if we take many precautions to prevent fire damage to our homes. It is best to prepare yourself for the eventuality. If your home is damaged from the fire, make sure to immediately initiate insurance proceedings so that you can recover as soon as possible.

Get Insurance Claim Assistance in TX

If you need help starting insurance proceedings after a fire, you should hire a public adjuster who can help you with all your claims needs. If you’re looking for reliable, transparent, and experienced public adjusters, check out Morgan Elite Specialist Services.

Our team of experienced and highly professional public adjusters in Texas will go above and beyond to help you with all your insurance needs. We have more than 75 years of combined experience handling complex residential, commercial, and industrial claims and have dealt with many difficult cases. We will do our best to ensure you receive a swift and fair settlement.

We can help you with different aspects, including collecting and filing documentation, recording damage evidence, and negotiating with the insurer for a fair settlement. Whether you’re looking for an insurance appraiser, damage consultant, or public adjuster for your claim, we can help.

Report a claim now or contact us today for more details.