In Texas, insurers typically look at two big buckets when assessing settlement value:
- Quantifiable financial losses (medical bills, prescriptions, therapy, travel to treatment, lost wages)
- Non-economic losses (pain, mental anguish, scarring/disfigurement, loss of enjoyment of life)
A calculator may prompt you to enter details like burn severity, treatment history, and time off work. That’s helpful as a starting point—but it can’t verify:
- whether your burn severity matches the incident described,
- whether complications (like infection risk, hypertrophic scarring, or nerve pain) are likely,
- or how your daily functioning has changed.
For Kennedale residents, this matters because many people commute to jobs across the metroplex and may need accommodations—modified duties, reduced hours, or longer recovery—before they can return to work.


