Many homeowners have lost their houses and personal belongings in different fires in the past, and have suffered losses and even injuries due to fires. Lessons that have been learned along the way include:
- Make sure you have enough insurance - Research has shown that about one-half of insurance holders affected by fires are underinsured. This is a serious problem for homeowners and should be corrected prior to the next wildfire. Although you may like the affordably priced policy, you need to get a policy with enough coverage for your home.
- Never think that you won't be affected - people often do not think that fires will destroy their homes; however, wildfires can occur at anytime, anywhere. Prepare ahead of time for unexpected fires and other possible catastrophes by making lists of items that are in your home. Having pictures, receipts and amounts of these items will help you when making a fire insurance claim in the future.
- Negotiate, Negotiate, Negotiate - do not accept the insurance company's first offer. Fight over claim amounts or hire an experienced insurance claim attorney to do this for you, in order for you to receive what is fair.
Because the moments and days after a Texas fire can leave you overwhelmed and feeling helpless, do not walk around in a state of shock for a long time. Make sure you contact your insurance agent immediately to report the claim, and talk with an experienced Texas insurance litigation lawyer to protect your rights. You can reach the Voss Law Firm at 888-614-7730 and schedule your free legal consultation today.
