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Smoke & Fire Claim Resource Center
Plain-English guides on documenting smoke and fire damage, understanding carrier estimates, and organizing a property insurance claim in Texas.
Fire Damage Insurance Claim Tips for Texas Homeowners
Practical fire damage insurance claim tips for Texas homeowners: safety, notice, documentation, receipts, living expenses and a claim log.
How to Inventory Fire- and Smoke-Damaged Contents
How to inventory fire damaged contents room by room: the fields to record, where to find proof of ownership, and how to price items.
Is Smoke Damage Covered by Insurance?
Is smoke damage covered by insurance? Learn how homeowners policies handle smoke, which policy sections decide it, and what to check first.
Public Adjuster vs. Insurance Adjuster: Who Works for Whom
Public adjuster vs insurance adjuster: who each one works for, how they're paid in Texas, what they do, and when an attorney fits instead.
Why Fire Insurance Claims Get Denied
The main reasons insurance companies deny fire claims, where each shows up in your policy, and how to read the wording before you respond.
Free Claim Review
Need Help With a Smoke Damage Claim Anywhere in Texas?
Tell us what happened and where the claim currently stands. A licensed Texas public adjuster can review it with you. No policy or claim number is required to start.