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Our Texas property damage lawyers fight to secure fair and appropriate compensation for denied and undervalued insurance claims. We represent individuals, families, and businesses across the state of Texas, including McAllen, Fort Worth, Houston, San Antonio, Austin, and Dallas.
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Texas Property Damage Insurance Claim Attorney
We Help Homeowners Recover the Maximum Compensation Available
We see it time and time again. Insurance companies abide by three strategies: delay, deny, and defend. In an insurance claim, the insurance company will look out for their best interests, not property owners’. Insurance adjusters work hard to prevent property owners and policyholders from being fairly compensated. These tactics include:
If you’re dealing with unfair tactics and not getting the compensation you deserve, contact us to speak with a Texas property damage lawyer. We are based in McAllen, Texas, and represent individuals, families, and businesses across the state of Texas, including Houston, San Antonio, Austin, and Dallas. We can communicate with the insurance company and negotiate the compensation you deserve so you don't have to.
If Your Insurance Claim was Underpaid or Denied or if you would like Assistance with your Insurance Recovery, Call us at (956) 253-3121 or Request Free Consultation.
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(956) 253-3121
Property damage happens all the time, for many reasons. It’s important for property owners to review their policies and make sure they have the coverage they need.
Residential property damage covers natural disasters, and damage to your home from fire, wind, water, flood, hail, tornado, and hurricane. It also covers damage from termite and bug infestations and weakened foundations. A homeowners insurance claim may be for damage to any part of your home, including roofs, solar panels, windows, stucco or siding, or outdoor furniture.
Commercial property damage claims involve insurance claims for property repairs to commercial property and damages. Your commercial property owners claim can be for funds to repair your building, replace personal and commercial property, and cover the cost of business interruption.
Even without a hurricane or tornado, severe windstorms can cause extensive damage. Winds can uproot trees or damage roofing, and cause indirect damage from loss of power.
Homes, businesses, and crops are vulnerable to fire damage from lightning strikes, wildfires, electrical fires, and other causes. Although they are common, fire damage claims can be complicated. Claims may also involve smoke damage and water damage from firefighters. Insurance companies may dispute whether damage may be repaired, or needs to be replaced.
It is very important to distinguish that water damage is different from flood damage. Water damage typically destroys the interior of the home, and does not come from water flowing outside the home. Water damage may occur from a defect in a roof, a leaky pipe, a broken dishwasher hose, or even a clogged toilet. Water damage can vary widely depending if it is mixed with sewage or otherwise contains chemicals, bacteria, and/or mold.
Texas is second only to Minnesota for states with the most hail damage claims. Hail can be very destructive, and in Texas, hail damage from storms is most common from spring to early summer. Hail damage is usually covered by homeowners insurance policies, subject to a deductible. Insurance providers may be reluctant to pay for damage done by hailstorms, especially if the damage is cosmetic.
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Flood damage in Texas is a recurring and costly challenge. Between frequent floods and severe storms, property owners face substantial risks. Our experts at Omar Ochoa Law Firm specialize in flood damage insurance claims, ensuring you receive rightful compensation to recover from these devastating events.
Tornado damage can vary widely depending on wind speeds and include roof damage, broken windows, downed trees, damage or destruction to sheds, barns, and other structures, and foundation damage.
Hurricanes are powerful storms that produce heavy rainfall, strong winds, and large-scale flooding. Hurricane damage from wind and wind-driven rain may be covered by a homeowner’s insurance policy and a separate flood damage policy.
It is rare, but some homes and businesses suffer property damage from reckless or distracted drivers, or drivers suffering a medical event and driving straight into a building. Typically, the at-fault or responsible driver’s car insurance company policy will pay for structural damage.
We specialize in assisting with roof damage claims. Our team helps homeowners and businesses navigate the insurance process to secure fair compensation for weather-related damage.
Our experienced Texas property damage lawyers can help with all parts of the claims process including:
If your property has been damaged, don't worry. Our team of accomplished property damage lawyers are here to help you get the compensation you deserve. Reach out for free case review.
Our fee for a property damage claim is a percentage of the money we recover for you, either in a settlement or if necessary, a lawsuit. There are never any retainers, upfront fees, or monthly bills to worry about. We are only paid if we recover money.
Was Your Property Damaged? Leave It to Us
Don't settle for less than you deserve - let us fight for you.
No Recovery, No Fee. Guaranteed.
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 whenever 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:
You don’t have to deal with property damage claim denials and stubborn insurance companies on your own. Call our law firm at (956) 253-3121 or contact us online for a free, no-risk case review.
Available 24/7
No fees unless we win
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Your insurance company policy will document when your deadlines for notification regarding a claim. Do not delay reviewing your policy or notifying the insurance company.
An insurance company cannot deny your property damage claim if it is valid - you are legally entitled to be treated in “good faith.” However, there are some circumstances where a claim denial may be valid:
If you receive a denied claim notice you have the right to know why your claim is being denied. Property owners have the right to file an appeal or a lawsuit against the insurance company. Simply refusing to pay a property damage claim despite sufficient evidence to support it is not acceptable.
Reading the fine print on your policy is critical; for example, a policy may cover damage from wind and rain but exclude flood damage. It is common for damage that results from failure to maintain a property to not be covered, including:
Deferred maintenance may be cause for discontinuation of an insurance policy.
Every state has a Statute of Limitations, or legal window of time, for a property owner to bring a claim. Once that time period passes (or expires), any claim will be dismissed. In Texas, you have two years from the date of an accident or damage occurring to file a lawsuit to recover damages, and in some cases, court costs. It is always advisable to begin a claim sooner than later so that losses and evidence can be documented and preserved.
