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:
Bad Faith Insurance Claims
Commercial Property Insurance
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.
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.
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.
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.
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.
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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:
We focus on providing legal representation when insurance companies deny a policyholder's claim without a reasonable basis.
Get the justice you deserve with our expert Bad Faith Insurance Lawyers
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.
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.
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!!!
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.
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
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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Yes. Under Section 542.055 of the Texas Statutes, an insurer must:
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.
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.
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.
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.