Omar Ochoa Law Firm

Houston Insurance Claim Lawyer

No Win, No Fee. Guaranteed.

Omar Ochoa Law Firm fights for policyholders when insurers refuse to pay valid claims or fail to comply with the insurance policy and Texas law.

  • Free Consultation

  • Available 24/7

  • No Fee Until We Win

Our Houston Insurance Attorney Will Set Things Right

You expect your insurer to be there when you suffer a loss. But too many insurers only look out for their own interests. Instead of paying insurance claims, they use delays and denials to force you to accept a low settlement offer.

You have rights during the claims process. When your insurance company refuses to handle your valid claims fairly, our Houston insurance lawyers will hold it accountable to get a fair outcome.

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

Insurance Claims We Handle

Our Houston insurance claim lawyers will pressure the insurance adjuster to satisfy its duty of good faith during the claims process. If the insurance company persists in refusing to pay a valid claim, we have commercial litigation experience fighting bad-faith insurance cases.The types of cases we handle include:

Business Interruption

Bad Faith Insurance Claims

Property Damage

Homeowners Insurance

Commercial Property Insurance

Fire Damage

Wind Damage

Water Damage

Flood Damage

Hail Damage

Car Accident Damage

Hurricane & Tornado Damage

Life insurance claims

When you cannot open due to a covered loss, business interruption insurance helps cover your revenue and operating expenses. But your insurance company could challenge almost any aspect of your insurance claim from your business records to the loss itself.

Insurers must handle all claims in good faith. An insurer acts in bad faith when it fails to perform its duties under the policy. A common form of bad faith happens when an insurer denies a claim without investigating it.

Learn More About Bad Faith Insurance

Property damage coverage can cover business or residential properties. When you file a property damage claim, your insurance company may undervalue the repair or replacement cost. It may even deny that the damage occurred as you described it.

Learn More About Property Damage

Homeowners insurance covers your home and its contents. If your home gets damaged in a manner covered by your insurance policy, the insurance company will pay to repair or replace it. Disputes can arise over the value of the loss.

Commercial property insurance provides coverage for your business buildings and equipment. Insurers often bundle this coverage with business interruption coverage. When you file a claim, your insurance company may dispute how and when the damage occurred.

Most property policies cover fire damage. They also cover smoke damage and water damage due to sprinkler systems and fire hoses. Insurers may try to escape liability by claiming the fire was set intentionally.

Learn More About Fire Damage

Wind damage is included in many property policies. But in parts of Texas, it may be excluded due to the availability of hurricane insurance, and the insurance company might claim that you had the wrong coverage for wind damage.

Water damage covered by property insurance must come from inside your home or business, like from a broken pipe. Your insurance company may deny your water damage claim by saying that the damage came from a flood or storm surge.

Flood insurance covers damage from flooding and storm surges. But it does not cover damage covered by other insurance claims like hurricane coverage or property insurance. Your insurer could deny your claim by arguing that the flood was not covered.

Property insurance usually covers hail damage. But insurers may use loopholes that allow them to escape liability if the hail came from a windstorm. The insurer might even claim that you didn’t suffer hail damage, only normal wear and tear.

Learn More About Hail Damage

Insurers often sell collision and comprehensive insurance as providing complete coverage. But after car accidents, insurance companies seek ways to deny coverage. They may claim that the loss was not covered or dispute the value of the loss.

Depending on where you live, damage from hurricanes and tornadoes may be covered by your property insurance. But in other areas, you need a hurricane or "windstorm" policy. Insurers use this complication to avoid paying hurricane and tornado claims.

If you’ve had a life insurance claim that has been delayed, denied, or disputed by the insurance company, we can evaluate your case and help you fight for the benefits you may be owed.

Contact Us Today for a Free, No-Risk Consultation with a Houston Insurance Lawyer

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

How Can Our Insurance Litigation Attorney Help You?

We understand the critical role insurance plays in both your personal and commercial life. After a loss, your property may need urgent repair. 

Unnecessary delays in the claims process and underpayments of claims can retraumatize you. When insurance companies fail to meet their legal obligations in a timely manner, you will likely need help fighting them.

Our legal team will represent you from the time you suffer your casualty until you obtain a fair settlement for your claim. Our duties include:

  • Reviewing your insurance policies and determining which coverages apply to your losses
  • Preparing and documenting your claim
  • Reviewing damage appraisals and repair estimates by the insurer
  • Identifying and working with independent appraisers
  • Responding to claim denials
  • Negotiating with insurance adjusters to settle your claim
  • Preparing a bad-faith insurance lawsuit and gathering evidence of bad faith
  • Presenting your insurance bad faith claim to a judge or jury

We focus on providing legal representation when insurance companies deny a policyholder's claim without a reasonable basis.

Reach Out for a Free, No-Risk Consultation

Get the justice you deserve with our expert Bad Faith Insurance Lawyers

Free Case Evaluation

How Much Do Our Services Cost?

We charge a contingency fee for representing clients against insurance providers. A contingency fee gets paid from the insurance benefits we recover for you. This means that our firm only gets paid when you receive a settlement or damage award from the insurer.

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

Why Choose Omar Ochoa Law Firm to Handle Your Insurance Claim in Houston?


There’s no one-size-fits all solution. Every client is individual and we tailor our services for their specific needs.

Deep Expertise

We have years of experience under our belts and a proven track record of settlements and verdicts

Available 24/7

We pride ourselves on being a resource for our clients to turn to whenevery they need it

There Is No Fee Unless We Win

It’s simple: if we don’t win, you don’t pay.

We Offer Spanish-Speaking Services

Members of our team are fluent in Spanish and ready to serve clients in their preferred language.

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. 


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


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


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

Discuss Your Case with a Houston Insurance Claim Attorney!

We have extensive experience dealing with insurers. To discuss your insurance dispute and whether you have a bad faith insurance lawsuit, contact Omar Ochoa Law Firm for a free consultation.

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Available 24/7

No fees unless we win

Se Habla Español

FAQs about Insurance Claims in San Antonio, TX

Does an insurance company have to respond to my claim in Texas?

Yes. Under Section 542.055 of the Texas Statutes, an insurer must:

  • Acknowledge your claim
  • Provide the forms you need to fill out
  • Tell you what documents it needs from you
  • Investigate your claim

But your insurance company does not need to accept your claim. It can still deny it even after it acknowledges and investigates it. It can also dispute the value of your claim and make a low settlement offer.

When does the insurance company have to pay the claim in Texas?

To avoid a bad faith insurance claim, insurance companies must pay claims once they have investigated them and determined that their liability is reasonably clear.After notifying you of the decision to accept the claim, the insurer has five business days to pay the claim. Insurance companies can make the payment contingent on an event, such as having you sign a release of your claim.

Should I accept an initial offer from an insurance company?

Usually not. Insurance companies often make a low settlement offer simply to meet the minimum standards to avoid a bad-faith insurance claim. But a fair review of the insurance coverage may establish that you are entitled to additional compensation.

Before accepting an offer, you should talk to a lawyer about reviewing your case and negotiating for a higher settlement offer.

What happens if I don’t agree with the insurance company’s judgment?

A claims adjuster does not have the final say on your claim. Most insurance companies have additional layers of supervisors and adjusters to review claim decisions. In many cases, you can overcome a denial with additional information.

If the insurer persists in unfairly denying your claim, you can pursue a bad-faith insurance lawsuit against the insurer. This will allow a judge or jury to determine whether the insurer breached your policy.