Omar Ochoa Law Firm

Texas Fire Damage Attorney

No Win, No Fee. Guaranteed.

Unexpected fires are devastating to home and business owners — even more so when the insurance company isn’t covering all the repairs. If you’re having trouble getting your repairs covered, call our fire damage lawyer today!

  • Free Consultation

  • Available 24/7

  • No Fee Until We Win

Trusted Texas Fire Damage Insurance Claim Attorney

The days and weeks after a fire can be almost as stressful as the blaze itself. The legal team at Omar Ochoa Law Firm helps Texas home and business owners recover from the aftermath of a devastating fire.

You may think your insurance company is on your side — but frustration with the claims process, determining what’s covered, and delays in getting your repairs completed can leave you unsure where to turn for help.

Our fire damage lawyers work with clients across the Lone Star State, including:

  • McAllen
  • Houston-The Woodlands
  • San Antonio
  • Dallas-Fort Worth

If your property damage claim was denied or underpaid, or if you need assistance filing a property damage claim, call us today to request a free consultation.

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We are available to assist you 24 hours a day!

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(956) 253-3121

Common Types of Fires in Texas

The Texas Department of Insurance estimates that in 2020, fires caused more than $636 million worth of property damage claims. The agency notes that nearly 8,000 fires occurred that year. 

Although a fire can start just about anywhere, there are a few types of fires that home and business owners suffer most often:

  • Kitchen Fires: The most common type of fire in Texas, usually caused by unattended pots and pans, excessive grease or oil that boils over, or malfunctioning culinary equipment are the main culprits
  • Electrical Fires: These fires can be caused by faulty wiring, malfunctioning electrical devices, or overloaded circuits
  • Heating Equipment Fires: Fires caused by a defective space heater, furnace, or other heating equipment are most common in wintertime
  • Wildfires: Perhaps the most frightening type of fire in Texas is wildfires. Texas is prone to wildfires, even in the densely populated metro areas. Drought conditions, lighting strikes, or human carelessness can cause wildfires.

To give you an idea of how devastating wildfires in Texas can be, consider these facts:

Wildfire damage can cause extensive damage to your house or commercial property, and even if you’ve paid all your insurance premiums on time, you still may not have all your losses covered. Our Dallas and Houston wildfire lawyers can help you recover what you’re due.

Typical Fire Damage Claims in Texas

No matter the fire’s cause, the effects are the same. Your home or business may suffer one or more of the following types of fire damage:

Property Damage

The structure of your home or business and its contents, fixtures, and furnishings may be damaged.

Interruption of Your Business

If your business closes, either temporarily or permanently, you may receive compensation for the loss in profits while you rebuild.

Soot and Smoke Damage

Even if the flames don’t cause serious structural damage, the interior of your house or office may still suffer toxic, foul-smelling smoke damage. Smoke and soot damage can be quite costly to clean up.

There are several types of smoke, each causing specific types of damage, including:

  • Wet Smoke: A consequence of a slow-burning, smoldering kind of fire, wet smoke usually produces thick, oily smoke that leaves behind a hard-to-clean sticky residue
  • Dry Smoke: Usually the result of a fast-burning fire, dry, powdery smoke can be difficult to remove from some materials but is generally easier to clean than wet smoke
  • Protein Smoke: Occurring with a food-cooking fire (or a fire burning other organic material), this smoke damage is difficult to remove and leaves behind a very strong, distinctive odor
  • Chemical Smoke: Results from fires involving synthetic materials, plastics, and other types of chemicals, and cleaning the smoke damage left behind from these fires requires special cleaning equipment and techniques

Many buildings may have smoke residue, which may be noticeable discoloration or a visible residue. Smoke residue includes ash, soot, or other smoke-related debris.

Water Damage

Damage from water may not be the first thing people think of when they think of fire damage, but in many cases, the water your fire department uses to put out the fire can cause more damage than the fire and smoke — especially if it’s not cleaned up immediately, and mold or mildew start growing.

Each property requires different approaches to cleaning and restoring it, from odor removal to mold remediation. You should be compensated for all the necessary cleaning.

Get a Free Case Review!

As your Texas fire damage claim attorneys, we act in your best interests. We fight hard so you get full coverage for all the home or business repairs you need.

Free Case Evaluation

Understanding Fire and Smoke Damage Coverage

Property owners may have smoke and fire insurance separate from their general insurance coverage policy. Business owners may have smoke damage coverage for damaged items in their facility, and homeowners may have coverage for damage to clothing, furniture, and other personal items.

Your homeowner's insurance policy may cover your belongings. And the extent of the policy coverage for damage after a wildfire or other kind of fire may also include:

  • Trees and other valuable outdoor foliage;
  • Property outbuildings, like gazebos, garages, and sheds;
  • Appliances, electronics, and devices;
  • Personal effects, like clothing and furniture;
  • Structural damage to your home or business.

Beyond covering your actual damaged property, many homeowners' fire damage insurance policies also cover your relocation while your home is repaired, like a hotel stay, restaurant bills, and other expenses you wouldn’t have incurred had the fire not happened.

Texas homeowners aren’t the only ones who benefit from a fire insurance policy. Business owners may be eligible to claim multiple losses after a fire, including:

  • Property and structural damage to the building;
  • Cessation of operations or the anticipated missed business income;
  • Suspension of business or coverage of operating expenses that the business cannot meet due to fire damage.

Extra expenses, such as relocating the business somewhere else to continue operating, ordering supplies from a new location, or paying extra for employees to keep operating going, may be eligible as well.

How Can Our Fire Damage Lawyers Help You?

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Property owners believe that their fire insurance company will do right by them after a devastating emergency. Unfortunately,  this is not always the case.

Insurance companies are notorious for undervaluing or denying legitimate claims, leaving a residential or commercial property owner with thousands of dollars in repairs to pay.

To ensure you receive all the benefits from your business or home insurance policy, contact the legal team at Omar Ochoa Law Firm today to schedule a free consultation with a skilled insurance claims lawyer.

As your legal representative, we will:

  • Evaluate your insurance policy and the extent of your coverage;
  • Assist you in filing the fire insurance claim and negotiate with the insurance provider on your behalf;
  • Represent you in legal proceedings, including mediation, arbitration, and litigation.

We’re by your side every step of the way!

Reach Out for a Free, No-Risk Consultation

Don't settle for less than you deserve - let us fight for you.

No Recovery, No Fee. Guaranteed.

Call us (956) 253-3121 today

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Why Choose Omar Ochoa Law Firm for Your Fire Damage Claim?


There’s no one-size-fits all solution. Every client is individual and we tailor our services for their specific needs.

In-Depth Experience

We have a proven track record of successful case results.

Available 24/7

We are always reachable and responsive.

There Is No Fee Unless We Win

It’s simple: if we don’t win, you don’t pay.

We Offer Spanish-Speaking Services

Members of our team are fluent in Spanish and ready to serve clients in their preferred language.

What Our Clients Are Saying

Want to hear more about how we help and what we do? Don’t just take our word for it. Read our real client reviews and testimonials - and see videos from our real former clients. 


Mr. Ochoa was able to help us after a hurricane get us more for our property damage. Also great friendly staff was able to answer all questions!!!

Richard Trevino


First time getting a lawyer for an accident, Omar Ochoa Lw firm was very helpful in providing clear instructions and information to help me battle my motor vehicle case. I would highly recommend.

Jodabeni Dondeli


I am highly recommending Omar Ochoa law firm. We had damage to our roof and were not satisfied with our insurance.  Got recommended to Mr Ochoa he really did all he Could to help us get enough to repair our roof.  Staff are also very friendly and helpful.  This currently helps to feel welcome.  Again I highly recommend if you are looking for help with roof repair and you were not satisfied with your insurance reimbursement

Imelda Garza

Proudly Achieving Justice Throughout Texas

The Omar Ochoa Law Firm helps clients across Texas with smoke and fire damage. Our attorneys provide advice tailored to your losses and specific situation. As a local insurance law office, we're here to support our friends and neighbors after fire devastation.

Contact a Texas Fire Damage Lawyer for a Free Case Review! 

Our lawyers are here to help after your insurance claim is denied or underpaid. Contact our qualified fire insurance claim attorneys today to schedule a free, no-obligation case review!

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Available 24/7

No fees unless we win

Se Habla Español

FAQs About Fire Damage Insurance Claims in Texas

When is fire Damage not covered?

Faulty wiring, unattended cooking equipment, candles, or smoking are all common causes of house fires. Although homeowners insurance may cover some of the fire damage, there are a few situations when fire damage will not be covered.

If the home was considered vacant at the time of the fire — unoccupied for more than 30 days — it likely won’t be covered. And if arson caused the fire, even if the homeowner didn’t purposely set the fire themselves, deliberate fire is a criminal offense and not covered.

Why would my fire damage claim be denied?

Insurance companies have many legitimate reasons to deny a fire damage claim, such as:

  • Late or missing premium payments
  • Your coverage limit is met, or damage exceeds the policy limit
  • There is insufficient evidence for your losses
  • You’ve filed for losses not included in your coverage
  • The claim wasn’t filed by the deadline on the policy

If your denial wasn’t one of these reasons, you could be looking at a bad-faith insurance claim case. 

However, even if the insurance company named one of these reasons for denying the claim, but you know that their denial is inaccurate, you could still have grounds for a bad-faith insurance suit. Ask for your claim to be reviewed for an adjuster error.

Perhaps the insurance company accepts the claim but undervalues it, delays the payment (which delays your repairs), or drags its heels in investigating the claim. This, too, is bad-faith insurance practice.

My claim was assigned to a Special Investigation Unit (SIU) — What does it mean?

A Special Investigation Unit (SIU) is tasked with investigating potential insurance fraud. These units look at suspicious claims, so if you receive a notice that the adjuster from an SIU is looking into your case, expect each part, from the initial claim you filed to your item inventory and estimated business losses, to be heavily scrutinized. 

You may have a background check or even be placed under surveillance. The insurance company may also require you to submit to questioning under oath.