Attorney Profiles

To contact a member via email, please click on the name:

Charles T. Kelly was born in Evansville, Indiana. He received a B.S. from Western Kentucky University in 1981 and received his J.D. in 1990 from the University of Houston Law Center. He interned with the 14th Court of Appeals of Texas. He is also a hazmat-certified fire and arson investigator and a certified subrogation recovery professional. He has lectured insurance professional on topics on insurance law, subrogation law, and debt collection practices. His published articles include “When Can Carriers Sue Their Own Insured?” published in Texas Lawyer, “Can a Workers’ Compensation Insurance Carrier Subrogate Against Its Own Insured?” published in Texas Bar Journal, and “Indemnity Clauses and the Additional Insured” published in The Subrogator. He authored “Negligence and Property Loss Claims” for the Insurance Adjuster Certification Program. He has also served as an instructor for Claims University, Travelers Insurance Company. His affiliations include Texas Association of Defense Counsel, National Association of Subrogation Professionals, National Association of Fire Investigators, International Association of Fire Investigators, National Fire Protection Association and International Association of Marine Investigators. Charles’ primary areas of practice are insurance defense, investigation of suspicious insurance claims, business litigation, toxic tort litigation, product liability, premises liability, workers' compensation, oil field accidents, wrongful termination, insurance coverage disputes, auto accidents, and subrogation.

Loren R. Smith practices in the areas of subrogation recovery, insurance defense, premises liability, products liability, auto accidents, civil appeals, and consumer litigation defense. Loren was born in Indianapolis, Indiana. He received a Bachelor of Science degree from Indiana University in 1985, and received his J.D. in 1990 from the University of Houston Law Center. He is licensed to practice law in the State of Texas and several Federal Jurisdictions. Loren has presented lectures to insurance professionals on insurance subrogation law. He has handled multiple appeals from State and Federal Courts, several of which resulted in published opinions. Loren's experience in assisting the development of case law in Texas includes the successful prosecution of the following appeals:

Additional Associate profiles available upon request.  Please Contact Us for more information.

General Civil Litigation

Our attorneys use seasoned legal strategies and keen business insight when handling an array of complex commercial litigation matters.


Insurance Defense

A strong underpinning of Kelly & Smith’s practice is defending First-Party and Third-Party insurance claims on behalf of insurance carriers and their insurers. Read more...


An integral aspect of our firm's practice is the aggressive pursuit of large loss subrogation recovery for the insurance industry.


Estate Planning & Probate

Whether it is assistance with estate plans, trusts, or probate disputes, our experienced team is dedicated to helping you.


Surety and Fidelity Law

Kelly & Smith will aggressively pursue liable parties under surety and fidelity bonds for reimbursement through investigation, asset location, negotiation and litigation.