Omar Ochoa Law Firm

Dallas Insurance Lawyer

No Win, No Fee. Guaranteed.

When a storm, fire, or flood damages a Dallas home or business, the insurance company that's supposed to help often becomes the biggest obstacle. Omar Ochoa Law Firm represents homeowners and business owners in property damage insurance disputes, and we litigate against carriers that deny, delay, or underpay a valid claim.

  • Free Consultation

  • Available 24/7

  • No Fee Until We Win

Property Owners Deserve a Lawyer Who Will Litigate, Not Just Negotiate

Most insurers are betting that you'll accept whatever figure the adjuster writes down. A denied, delayed, or underpaid claim only stays that way if the policyholder lets it.

Our Dallas property insurance attorneys go after carriers that lean on policy language and paperwork to avoid paying a legitimate claim. We know where insurers typically try to shrink a payout, and if a carrier won't honor its policy, we're prepared to take the case to trial.

Here's what you can expect when Omar Ochoa Law Firm takes your case:

  • A firm that's tried these cases before: Our attorneys have taken bad faith and property insurance disputes to trial when carriers wouldn't offer a fair settlement.
  • No fee unless we win: We handle property insurance and bad faith claims on a contingency basis, with nothing upfront, and nothing owed unless we recover for you.
  • A tailored approach: No two claims look alike. We take the time to understand your specific loss before deciding how to pursue it.
  • Round-the-clock access: Questions and concerns don't wait for business hours, so neither do we.
  • Bilingual representation: Full legal services in English and Spanish for Dallas's diverse community.

If you are in Dallas or anywhere in the DFW area, call us at (956) 253-3121 or file a request form for a free consultation. We'll review your situation and explain your legal options.

Request a Free Case Review

We are available to assist you 24 hours a day!

*Please check this box to indicate your consent before submitting the form.
I agree to the Terms & Conditions and Privacy Policy provided by Omar Ochoa Law Firm. By providing my phone number, I consent to receive text messages and calls from Omar Ochoa Law Firm.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Need help right away? Call us!

(956) 253-3121

Property Damage Insurance Claims We Handle

Omar Ochoa Law Firm represents Dallas-area property owners in disputes over the following types of property damage claims. We possess a comprehensive understanding of insurance law and the tactics insurance companies use to minimize payouts or deny valid claims. Our practice areas include:

Business Interruption

Bad Faith Insurance Claims

Property Damage

Homeowners Insurance

Commercial Property Insurance

Fire Damage

Wind Damage

Water Damage

Flood Damage

Hail Damage

Hurricane and Tornado Damage

Business interruption insurance is designed to help your company recover financially after a covered event disrupts your operations. To improve your chances of a full recovery, you must meticulously document all lost income, continuing expenses, and extra costs incurred due to the interruption.

Our Business Interruption Services

Insurance companies are legally obligated to handle claims fairly and in good faith. Texas law provides specific remedies for Dallas property owners who have been subjected to bad faith insurance practices, including the potential to secure additional damages beyond the limits of the policy. When a carrier's conduct rises to the level of bad faith, we file suit and litigate the case rather than continue negotiating.

Our Bad Faith Insurance Claims Services

Property damage can be a stressful and costly problem to contend with. To protect your interests, it's essential to take detailed photographs and videos of the damage, keep records of all communications with your insurer, and consult an experienced Dallas property damage lawyer for further guidance.

Our Property Damage Services

Your homeowner's insurance is supposed to protect your home when disaster strikes. Be aware of common tactics insurers use to minimize payouts, such as undervaluing damage, delaying repairs, or denying coverage based on technicalities.

Our Homeowners Insurance Services

Property damage can devastate businesses, causing interruptions, lost revenue, and costly repairs. Understanding the nuances of your commercial property insurance policy, including business interruption coverage and extra expense provisions, is key to maximizing your recovery.

Our Commercial Property Insurance Services

Fires can cause catastrophic losses for both homeowners and businesses. Beyond property damage, fire claims often involve smoke damage, water damage from firefighting efforts, and potential health risks that require expert assessment.

Our Fire Damage Services

Strong winds from storms and tornadoes can deal catastrophic damage to properties. Wind damage claims often involve disputes over the cause of the damage, the extent of necessary repairs, and the accuracy of the insurance company's valuation.

Our Wind Damage Services

Water damage, whether from a burst pipe or a major flood, can be extensive and expensive. Prompt mitigation or remediation is critical to prevent further damage, and it's important to document all affected areas and belongings for your insurance claim.

Our Water Damage Services

Flood damage often requires specialized insurance coverage separate from your standard homeowners' policy. To be prepared for potential flood events, carefully review your flood insurance policy's coverage limits, deductibles, and exclusions.

Our Flood Damage Services

Hail storms in Dallas can be devastating. When filing a hail damage claim, be aware that insurers may attempt to downplay the severity of the damage or offer low-cost repair solutions that may not adequately address the full scope of the problem.

Our Hail Damage Services

Hurricanes and tornadoes can cause widespread destruction. In the aftermath of a major storm, it's important to document all damage carefully, contact your insurance company without delay, and understand your rights regarding temporary housing and other benefits.

Our Hurricane and Tornado Damage Services

Reach Out for a Free, No-Risk Consultation

Fire, wind, hail, flood, or water damage claim denied or underpaid? Omar Ochoa Law Firm will fight your insurer, in negotiations or in court. Call (956) 253-3121 for a free case evaluation.

Contact Us

Indications That Your Insurance Company Is Acting in Bad Faith

Texas law requires insurance companies in Dallas to act in good faith when handling property damage claims. Unfortunately, some insurers engage in unscrupulous practices to deny or underpay valid claims.

If your insurer is exhibiting any of the following signs, it may be time to consult a bad faith insurance lawyer:

  • Unreasonable delays or lack of communication
  • Denying your claim without a valid reason
  • Offering a lowball settlement
  • Unfair or deceptive practices
  • Failing to properly investigate your claim

If you suspect that your insurance company is acting in bad faith, it's wise to contact an experienced Dallas insurance bad faith lawyer as soon as possible. An attorney from Omar Ochoa Law Firm can help you understand your rights and options and pursue the full and fair compensation you deserve.

Call Today for a Free, No-Risk Consultation

Hold your insurance company accountable and get the benefits you need with the help of our veteran insurance lawyers.

Free Case Evaluation

How We Support You in Insurance Disputes

A property insurance claim can feel like a second job on top of everything else you're dealing with. Here's what happens once you bring us in:

  1. We read your policy line by line: Identifying every coverage that applies and flagging anything the carrier is likely to dispute.
  2. We put a real number on your loss: Bringing in independent contractors and engineers so the damage estimate isn't just whatever figure the adjuster wrote down.
  3. We handle the paperwork: Filing everything correctly and on time so a technicality never becomes the reason for a denial.
  4. We deal with the carrier so you don't have to: Fielding calls and correspondence with the insurer, its adjusters, and anyone else involved.
  5. We negotiate from a position of strength: Pushing for a settlement that reflects the actual cost of what you lost.
  6. We file suit when the carrier won't budge: Taking the case to trial when negotiation alone doesn't get you a fair result. Adjusters treat a firm known for actually litigating differently than one known for settling cheaply, and that difference shows up before a lawsuit is even filed.

Get Your Free Case Review

Don't settle for less than you deserve — let us fight for you.

No Recovery, No Fee. Guaranteed.

Call us (956) 253-3121 today.

Contact Us

Meet Our Team

Omar Ochoa

Founding Attorney

Ricka Tijerina

Associate Attorney

Alexis Saenz

Associate Attorney

Mariel Gamboa

Associate Attorney

Sonia Lopez

Associate Attorney

What Our Clients Are Saying

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. 

5.0

Mr. Ochoa was able to help us after a hurricane get us more for our property damage. Also great friendly staff was able to answer all questions!!!

Richard Trevino

5.0

First time getting a lawyer for an accident, Omar Ochoa Lw firm was very helpful in providing clear instructions and information to help me battle my motor vehicle case. I would highly recommend.

Jodabeni Dondeli

5.0

I am highly recommending Omar Ochoa law firm. We had damage to our roof and were not satisfied with our insurance.  Got recommended to Mr Ochoa he really did all he Could to help us get enough to repair our roof.  Staff are also very friendly and helpful.  This currently helps to feel welcome.  Again I highly recommend if you are looking for help with roof repair and you were not satisfied with your insurance reimbursement

Imelda Garza

Areas We Serve Around Dallas

Our team represents property owners throughout the Metroplex, from Dallas high-rises to homes and businesses across the surrounding suburbs, whenever storm or hail damage strikes.

Discuss Your Property Damage Claim with a Skilled Dallas Insurance Attorney

Insurance companies will take advantage of property owners who let them. Contact the experienced Dallas insurance lawyers at Omar Ochoa Law Firm for a free, no-obligation consultation and find out what your property damage claim is really worth.

Please check this box to indicate your consent before submitting the form.
I agree to the Terms & Conditions and Privacy Policy provided by Omar Ochoa Law Firm. By providing my phone number, I consent to receive text messages and calls from Omar Ochoa Law Firm.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Available 24/7

No fees unless we win

Se Habla Español

FAQs About Insurance Claims in Dallas, TX

Does Omar Ochoa Law Firm handle health insurance disputes?

No. Our Dallas insurance lawyers focus exclusively on property insurance disputes, including homeowners, commercial property, fire, wind, water, flood, and storm damage claims. If your claim involves damage to your home or business, we can help.

How long does an insurance company have to respond to my claim?

The Texas Prompt Payment of Claims Act puts your carrier on the clock: it must acknowledge the claim, open an investigation, and request whatever documentation it needs within 15 calendar days of learning about the loss.

Should I hire a public adjuster or a lawyer for my Dallas hail or storm damage claim?

A public adjuster can help document and value your loss, but only a lawyer can hold the insurance company legally accountable if it acts in bad faith, denies a valid claim, or refuses to pay what your policy owes. Many Dallas property owners use both: a public adjuster for the estimate, and an attorney if the carrier won't pay fairly.

What's the difference between an actual cash value payout and a replacement cost payout?

Actual cash value factors in depreciation, so it typically pays less than what it costs to actually repair or rebuild. Replacement cost value covers the full cost of repairs without a depreciation deduction, provided your policy includes that coverage. On a Dallas roof claim in particular, this distinction often determines whether the payout covers a full replacement or comes close.

A hailstorm or tornado just hit my Dallas neighborhood. What should I do first?

Photograph or film the damage before anything gets repaired, save every receipt from emergency work like a tarp on a damaged roof, notify your carrier without delay, and hold off on signing a settlement or giving a recorded statement until you actually know what the claim is worth. After a widespread DFW hail event, carriers are handling a high volume of claims at once, which makes thorough documentation even more important.

Related Posts

Insurance Litigation

Can You Sue an Insurance Company in Texas?

Updated:

July 6, 2026

By

Omar Ochoa

Insurance Litigation

Examination Under Oath (EUO): All You Need to Know

Published:

March 28, 2024

By

Omar Ochoa

Insurance Litigation

Texas Homeowners Insurance Laws

Updated:

September 7, 2026

By

Omar Ochoa