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When you experience a loss, you expect your insurer to cover your damages. Omar Ochoa Law Firm holds insurers accountable so homeowners and businesses receive fair compensation for property damage in Houston.
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Houston property damage claim attorney
You buy property insurance in case your home or business suffers damage. But while your insurance provider gladly takes your premiums, it will often fight property damage claims.
Insurers know your desperation. Your home may have been damaged or destroyed. You may need to replace clothing and other personal property. And your business property might have been damaged so severely that you cannot earn a living. But insurers also know they can get away with denying and underpaying claims because you need to get your life back on track.
We help policyholders get the best possible payout for their insurance claims. Whether you need help filing your claim or you have already received a claim denial, we will guide you through the claims process by:
If your property insurance claim was underpaid or denied, or if you would like assistance filing your property damage claim, call us at (956) 253-3121 or request a free consultation today.
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Most standard insurance policies will list the property and the type of loss covered. When you suffer property losses in Houston, we'll review your policy provisions to make sure they cover your situation. Your loss event could arise from natural disasters like storms, disasters inside the home like a broken water pipe, or criminal acts like vandalism or burglary.Some common types of claims include:
Standard policies cover fire, storm, and wind damage to your home or personal belongings. Anything attached to your home is usually covered. Coverage for any detached buildings will depend on your policy.
Covered losses include structural damage to your company's building or fixtures. Business equipment, inventory, and records are also covered by most insurance companies. Additionally, coverage includes damage due to fire, storms, theft, and internal water damage.
A standard property insurance policy covers buildings and contents damaged or destroyed by fire. You can also file a fire damage claim for water or smoke-damaged property. Neither homeowners insurance nor commercial property insurance will cover arson.
Standard property insurance covers damage caused by wind resulting from storms. Wind from tornadoes or hurricanes may be included.
A standard policy covers damage from water originating inside the property. Water damage coverage usually does not cover water from natural sources. Common water damage claims usually come from broken pipes, water heaters, and washing machines.
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Homeowners and commercial property insurance will usually not cover flood damage to structures on floodplains. You can buy separate flood insurance to cover flooding from natural bodies of water.
Wind and hail damage usually falls within your homeowners or commercial property policy. Typical hail damage claims cover roofs, windows, siding, and gutters. Home insurance does not cover hail damage to vehicles.
Damage to your home or business by a tornado is usually covered by your property damage insurance. Tornado damage includes damage from wind or debris. Your homeowners or commercial property policy usually pays for debris cleanup as well.
Some properties may require separate hurricane insurance. In most areas, you can get the equivalent of hurricane coverage by buying homeowners insurance to cover wind and storm damage and flood insurance to cover flooding.
You can file a property damage claim if a car hits your home. It can also cover damage to your fence, mailbox, or other structures. Property owners cannot file a claim when a car hits their parked cars.
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Mold is usually only covered in a property damage policy if it results from another covered peril, like water damage from a storm-damaged roof. When covered, the insurance company will pay the cost of mold removal.
Criminal acts like vandalism, theft, and burglary are usually covered by property insurance. Arson is typically not covered.
Need Help with Property Damage? We've Got You Covered
When you suffer property damage, trust our team of Houston property damage attorneys to help you get the compensation required under your insurance policy. Contact us for a free consultation.
Your insurance company faces a conflict of interest. It has a contractual duty to pay valid claims for property damage. But it also has a financial incentive to pay as little as possible.
You should consider hiring an experienced property damage attorney when disputes arise with the insurance company, including:
The insurance company might dispute the cause or value of the damage you suffered. For example, an insurer might say that your property damage was a preexisting condition.
You can only get paid if your property was damaged by a covered peril. An adjuster may deny your claim on the grounds that your policy did not cover the way the damage occurred.
Every insurance company has a legal duty to investigate and pay claims in good faith. Bad faith practices include denying a claim without investigating it.
If your property has been damaged, don't worry. Our team of expert property damage lawyers are here to help you get the compensation you deserve. Reach out for free case review
Property owners face an uphill battle to get fair and just compensation from their insurance companies. An insurance company could bury you with paperwork, delay your claims process, or offer an unreasonably low settlement.
Our property damage lawyers will manage your property damage claim and deal with your insurance company, so you can focus on rebuilding your life. We will:
Sometimes, just having a Houston property damage lawyer on your side will convince the insurer to treat you fairly and handle your claim in good faith. But even claims handled by Houston property damage attorneys may get wrongfully denied.
If your insurance carrier fails to meet its obligations under the policy and Texas law, we can prepare and file a lawsuit against the insurer. A lawsuit can force the insurer to address your claim fairly or face a jury trial.
We represent property owners on a contingency fee basis. This means you pay our fee only after we recover compensation from your insurer. If we recover nothing, you pay no legal fees.
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Don't settle for less than you deserve - let us fight for you.
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Call us (956) 253-3121 today
There’s no one-size-fits all solution. Every client is individual and we tailor our services for their specific needs.
We have years of experience under our belts and a proven track record of settlements and verdicts
We pride ourselves on being a resource for our clients to turn to whenevery they need it
It’s simple: if we don’t win, you don’t pay.
Members of our team are fluent in Spanish and ready to serve clients in their preferred language.
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.
We know what’s at stake, and we will fight for you as if you were our own family member. We serve cities across all of Texas, including, but not limited to:
We fight on behalf of property owners. Contact our skilled and experienced Houston property damage attorneys today for a free, no-risk consultation.
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Your homeowner's insurance policy covers many types of losses you may suffer after a covered peril, including:
You will document your losses using receipts showing the cost of acquiring the property. You will also collect repair estimates to prove how much it will cost to repair the property damage.
Your insurer will usually not pay for unique items, like artwork or collectibles unless you specifically included them in your policy. The insurer will also base any payments on the market value of your property, not its sentimental value.
Your policy will set any filing deadline for claims. A standard policy has a one-year deadline to file an insurance claim. But you should consider filing as soon as possible after a loss so you can preserve and document the damaged property.
If your property was damaged by a third party, such as a vandal, you have two years to file a lawsuit against them under Texas Civil Practice and Remedies Code § 16.003. In these cases, you will probably start with your insurer, since its deadline will occur much earlier than the statute of limitations for a lawsuit.
Insurance companies can deny claims for many reasons, including:
These reasons can support a denial if the insurer has conducted a good-faith investigation and has a reasonable basis to believe them to be true. But if the insurer uses these reasons as an excuse to avoid paying your claim, you can challenge the claim denial.
A typical response to a claim denial will include evidence and legal arguments to the claims adjuster. If your adjuster refuses to reverse the denial despite your evidence overcoming it, you may need to go to court.
When an insurer refuses to pay a claim covered by the insurance policy, it breaches the insurance contract. If it refuses to pay without a reasonable explanation for the denial, it may also have violated Texas insurance laws requiring it to act in good faith.
If you win a lawsuit, the insurer will need to pay for your losses, including those caused by its unreasonable delay.
