Many AI or online tools generate a number range using generalized injury patterns. That can be misleading in Texas burn claims because insurance adjusters focus on evidence they can verify—not just how the injury feels today.
In practice, insurers in Texas commonly look for:
- Documented burn depth and affected areas (what the treating providers wrote)
- A clear medical timeline (ER visit → follow-ups → any procedures)
- Objective functional limits (hand use, range of motion, work restrictions)
- Consistency between the incident story and the burn pattern
If the inputs to a calculator don’t reflect what your chart shows—such as whether you needed grafting, whether you developed hypertrophic scarring, or whether you had complications—its “settlement value” can drift far from what a real negotiation supports.


