(956) 631-5600
close

Commercial Fire Damage
Insurance Lawyer

Texas business owners can count on our fire damage attorneys to fight for their rights to fair compensation for workplace fires.
FREE CASE EVALUATION

A Business Fire Insurance Claim Lawyer Texas Can Trust

When you pay your premiums for commercial property insurance, it’s fair to expect your insurer to cover fire damage claims included in your policy. However, some insurance companies will engage in bad faith insurance practices in an attempt to avoid paying out for fire claims. If your insurance company refuses to process your claim fairly, it’s time to get help from a capable fire insurance attorney.

Under Texas law, insurers are required to handle insurance claims in good faith, following all applicable laws and abiding by your insurance policy. If your insurance company fails to follow the law, you may be able to sue for bad faith coverage. Reach out to Millin & Millin Attorneys to learn more about reversing wrongful claim denials.

Common Types of
Fire Damage Claims

Smoke Damage

Smoke and soot from fires can cause extensive property damage, and that damage may be covered by your policy.

Fire Department Damage

This includes the damage caused by firehoses and flame retardants, and the damage caused by entry and exit.

Fire Department Damage

This includes the damage caused by firehoses and flame retardants, and the damage caused by entry and exit.

Business Interruption

While not included in every policy, business interruption coverage can pay for your lost income due to a fire.

Do You Need a Commercial Insurance Law Firm?

After a devastating fire, commercial property owners may be able to successfully file a claim for insurance coverage without help from an attorney. However, there are several reasons to consider hiring a lawyer, and a variety of key factors that make getting legal help essential in case of a business fire.
A business on fire being put out by firefighters

You should consider hiring a fire damage coverage lawyer if your insurance company has acted unfairly, lied, or mistreated you in any way. You should also seek legal assistance if there is any question regarding what started the fire at your business, if the damage was particularly severe, or if you have reason to believe your claim may not be processed fairly. Even in cases of simple claims, it may still be a good idea to get a lawyer to ensure your coverage is protected.

Seeking legal guidance for the claims process is important because these claims often involve very high damage and repair costs, with business owners relying on a fair payout for continued business operations. A capable legal team can help you determine what you may be owed, build a strong compensation claim, and explain and pursue your legal options in case of bad faith. Resolving insurance disputes can be incredibly complex, but a lawyer has the knowledge you need.

A commercial property lawyer holding a model of an apartment building

Common Types of Bad Faith Practices

Deny

Wrongful Denials

If your insurer unreasonably denies your claim or fails to provide a valid reason for denial, that may be bad faith.

Underpay

Undervaluing Claims

Insurance companies may use bad faith to offer insufficient coverage for property damage claims.

Delay

Failing to Act Promptly

Insurers are required to process claims in a timely manner, and failure to do so may be an unfair practice.

Mislead

Misrepresenting Policy Terms

Your insurance adjuster may lie or mislead you about what your policy covers to avoid paying full compensation.

Noncooperation

Failing to Process Claims

Insurance providers may refuse to investigate claims, despite strong evidence. This may be bad faith.

Why Choose Millin & Millin Attorneys?

Our fire insurance attorneys are ready to fight tirelessly for your legal rights.

With more than 50 years of combined experience, the dedicated team of lawyers at Millin & Millin Attorneys has the skills and knowledge needed to defend your bad faith insurance claim. Get fierce legal representation from our capable law firm.

  Get To Know Us

GUIDES

July 22, 2025
Is Wind-Driven Rain Covered by Home Insurance?
By MIllin & MIllin
Read More
July 1, 2024
Types of Property Damages Covered in a Storm Damage Insurance Claim
By MIllin & MIllin

Storms can be seriously destructive to our homes and property. If your home or vehicle has been damaged by a storm, you’re probably wondering what types of damage may be covered by your insurance. Keep reading to learn more about the different types of property damage that may be included in a storm damage claim […]

Read More
1 2 3 … 7

FREQUENTLY ASKED QUESTIONS

caused by countless factors, from faulty wiring to malfunctioning electrical devices. After the fire has been fully extinguished, it’s time to act. Start by gathering evidence of the fire, including things like potential sources and contributing factors, as well as proof of the extent of the damage, including smoke and water damage. Take any steps needed to make emergency repairs to prevent further damage to the insured property, such as putting tarps over holes in the roof. Next, you will need to inform your insurance company of the fire and begin the claims process. In your claim, include as much evidence as possible and provide all documentation related to the fire so far. Be sure to keep track of repair estimates and costs, and don’t hesitate to reach out to a lawyer for assistance with your claim.
If your insurance company has used bad faith tactics when handling your claim, there are a few steps you can take before filing a lawsuit. First, it’s always a good idea to consult with an insurance claim attorney. With legal counsel, you can attempt to appeal the decision through the insurance company’s internal process. If this is unsuccessful, you may be able to file a complaint with the Texas Department of Insurance to prompt the decision you want. If this option fails, the next step is generally to send a demand letter informing the insurer of your intent to sue. If this is also ignored, it’s usually time to file a lawsuit.
We’re proud to represent owners of both residential and commercial properties in their fight for fair fire damage insurance coverage. You can count on us to seek maximum compensation for your personal property damage claims. You may be owed coverage for your original claim, punitive damages, and legal fees.
Fire and smoke damage can be devastating for businesses, and getting financial recovery is often essential if the business is going to survive. Unfortunately, there are many valid reasons why an insurance claim may be denied. Some of the most common include non-payment of insurance premiums, claims for losses not covered by your fire insurance policy, intentional acts, lack of evidence supporting your compensation estimation, missing insurance company filing deadlines, and a failure to prevent further damage. However, fire damage insurance claims are also sometimes denied for unfair and invalid reasons. If your insurance claim was denied without a good reason, be sure to maintain thorough documentation of all interactions with your adjuster, and get ready to take legal action if needed. You can reach out to Millin & Millin Attorneys for a no-obligation consultation to determine the path forward for your claim.

WHAT CLIENTS ARE SAYING

  • John and his team did a great job for us! Tried on my own to get the insurance company to do right by us after storm damage to our roof, but they would not cooperate. Millin and Millin helped us get what we deserved.
    Kevin Pagan

  • We have worked closely with Millin & Millin twice on weather related insurance claims and both times we were so grateful for their expertise in guiding us through the process. Our experience with Millin&Millin can only be described as excellent.
    Chris Henderson

  • We cannot recommend Millin & Millin attorneys highly enough for anyone facing challenges with their insurance claims. Their efficient and effective approach, combined with their professionalism and expertise, truly sets them apart in the legal field. Thank you Millin & Millin, for your exceptional service and support and retrieving the appropriate amount from the insurance companies to fix the damages to our home.
    Chris & Vanessa Curl

  • I had a dispute with my landlord about water and mold damage in my apartment. Millin and Millin worked with me diligently to reach a desirable conclusion. They thoroughly explain all legal documentation and advise you at every step of your legal process. Their expertise and knowledge is excellent, and they will fight for you until you get the outcome you deserve.
    Caroline Harms

View More Testimonials

Request your Free Consultation

Reach out online to request an appointment with our team here at Millin & Millin Attorneys. We offer a FREE initial consultation.

Name(Required)
Please let us know what's on your mind. Have a question for us? Ask away.
Opt-in
Copyright © Millin & Millin Attorneys. All rights Reserved | Powered by Cobalt Digital
chevron-down linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram