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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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You pay insurance premiums to protect your home or business, but providers often prioritize their profits over your recovery. Insurers may use your urgent need to rebuild as leverage to underpay or deny valid claims. The Omar Ochoa Law Firm levels the playing field. We make our living holding insurance companies accountable, ensuring they honor the terms of the policies they sell.
Our firm provides the focused representation necessary to secure the full payout your policy allows. Whether you are filing an initial report or challenging a wrongful denial, we manage every step of the process. We combine local insights with a results-driven approach to help you restore your property and get your life back on track.
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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.
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.
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.
If your property has been damaged, don't worry. Our team of experienced property damage lawyers is here to help you get the compensation you deserve. Reach out for a free case review.
Houston property owners face numerous tactics insurers use to avoid paying valid claims:
Insurers often claim damage resulted from floods (typically excluded) rather than covered wind or storm damage. This mischaracterization allows them to deny coverage entirely.
Adjusters may assert that damage existed before the covered event, arguing the incident merely revealed prior problems. This tactic shifts responsibility away from the insurance company.
Insurance companies blame inadequate maintenance for damage that actually resulted from covered perils. They may point to deferred maintenance as a reason to reduce or deny claims.
Even when coverage is accepted, insurers frequently underestimate repair costs. Their estimates may omit necessary work, use outdated pricing, or assume repairs rather than replacements.
Policies impose strict deadlines for reporting damage and filing claims. Insurers may deny claims based on technicalities rather than evaluating the merits of the loss.
Vague or ambiguous policy language gets interpreted in the insurer's favor. We challenge these interpretations under Texas law, which requires ambiguities to be resolved in favor of policyholders.
Your homeowner's insurance policy covers many types of losses you may suffer after a covered peril, including:
Property damage, including the repair or replacement cost for your home and attached structures. Repair or replacement of detached buildings on your property under certain circumstances. You're entitled to the funds necessary to restore your property to its pre-loss condition at current market rates.
Excess living expenses to pay for you to live somewhere else until your home gets repaired. When your home becomes uninhabitable, policies typically cover temporary housing costs, meals, and related expenses until repairs are completed.
Homeowners insurance covers damaged or destroyed personal belongings, including furniture, clothing, electronics, and other possessions.
Personal liability coverage, if a guest gets injured on your premises or your dog attacks someone on or off your property.
Debris removal to put your home and property into the same condition it was in before the covered event.
Commercial property owners can recover lost income and ongoing expenses when property damage forces a business to close or relocate.
When insurers handle claims in bad faith, they may be required to pay your attorney fees and other professional costs.
Knowing the claims process helps property owners protect their rights:
Texas law imposes strict deadlines for property damage claims:
Insurance policies require prompt notification of damage. Review your policy's specific requirements, as some require immediate notice while others allow several days.
Texas generally allows two years from the date of damage to file a lawsuit for property damage. This deadline is firm. Missing the SOL eliminates your right to sue.
Some policies impose shorter deadlines than state law allows. Courts may enforce these provisions, making early action important.
Don't wait to pursue your claim. Evidence deteriorates, memories fade, and deadlines approach quickly after property damage occurs.
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:
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.
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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 to their specific needs.
We have decades 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:
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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We work on contingency, meaning no fees unless we recover compensation for you. This arrangement allows property owners to obtain quality legal representation without upfront costs. Our fee comes from the recovery we obtain, not from your pocket.
Initial offers are typically low and do not adequately compensate for your total losses. Insurance companies expect negotiation and often increase settlements significantly during that process. Having an attorney review any offer before acceptance protects you from settling for less than you deserve.
No. Texas law prohibits rate increases based solely on obtaining legal representation. Rates may be affected by claim history, but hiring an attorney to enforce your rights cannot be used against you.
Denials aren't final. We frequently overturn wrongful denials by presenting additional evidence, challenging the insurer's reasoning, and demonstrating coverage under policy terms. Many denied claims should have been paid.
The timeline varies based on the extent of damage, policy terms, and the insurance company's cooperation. Simple claims may be resolved within weeks, while complex disputes can take months. Litigation extends the timeline but may be necessary for fair compensation.
Standard homeowners' policies exclude flood damage. If flooding contributed to your loss, you may need to file a separate claim with the National Flood Insurance Program or your private flood insurer. We help coordinate multiple claims when necessary.
