Omar Ochoa Law Firm

McAllen Property Damage Attorney

No Win, No Fee. Guaranteed.

When you suffer damage to your home or business, you expect your insurer to step up. A Texas property damage lawyer battles your insurance company to get a fair settlement of your property insurance claims.

  • Free Consultation

  • Available 24/7

  • No Fee Until We Win

Exceptional Legal Representation for Property Damage Claims in McAllen

Insurers have a legal obligation to exercise good faith when investigating and paying insurance claims. But they often let their financial interests interfere with their legal duties. As a result, they delay, deny, and defend every insurance claim regardless of the damage or its cause.

Omar Ochoa Law Firm has experienced attorneys ready to stand up to your insurance company to make sure you get a fair settlement of your property damage claim. Wherever you live in Texas, from the Rio Grande Valley to Edinburg, our property damage attorneys will help you recover fair compensation based on your commercial property or homeowner's insurance policy.

When insurance companies underpay or deny your property damage claims, contact us at (956) 625-0740 to request a free consultation.

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We are available to assist you 24 hours a day!

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(956) 253-3121

Types of Property Damage We Handle

Our McAllen, Texas, law office handles property damage occurring anywhere in the state. Some types of damage claims we handle include:

Homeowner's Property Damage Claims

Commercial Property Damage Claims

Wind Damage

Fire Damage

Water Damage

Hail Damage

Flood Damage

Tornado & Hurricane Damage Claims

You bought a homeowner's insurance policy to protect your home. When your home suffers fire damage, wind or storm damage, vandalism, or theft, you can file a homeowner's insurance claim. Your insurance policy also protects you from a liability claim when someone gets injured due to:

  1. Slip and falls
  2. Dog bites
  3. Other accidents

This liability coverage protects your financial future.

Commercial property insurance policies protect your commercial buildings and equipment from natural disasters and criminal acts. Importantly, you can often add business interruption coverage to a commercial property damage policy.

When you have to shut down your business due to property damage or governmental action, your insurance company helps cover revenue losses, relocation expenses, and even loan and lease payments.

Wind damage is a critically important coverage in your homeowner's or commercial property insurance. McAllen, like much of Texas, has some exposure to both tornadoes and hurricanes. But the more critical risk comes from windstorms. Your property damage coverage includes damage resulting from strong winds and objects carried by the wind, like tree branches.

Another critically important coverage is fire damage. This damage occurs more often than you might assume. Homes and commercial buildings in McAllen are at risk of:

  1. Wildfires
  2. Electrical fires
  3. Heater, furnace, and fireplace fires
  4. Arson

When your property suffers damage from flames, smoke, and fire suppression, you can pursue an insurance claim.

Learn More About Fire Damage

Home and commercial property insurance covers water damage from sources on the property such as:

  1. Burst pipe
  2. Broken appliance
  3. Leaking air conditioner
  4. Overflowing toilet

Importantly, water damage is not the same as flood damage. To get flood damage compensation, you must buy separate flood coverage in your home or commercial policy.

Damage from hail, rain, and lightning will usually be covered by your insurance if it comes from a covered peril like a thunderstorm. But you should read your policy language carefully since certain types of hail or rain might produce flood damage, which requires a separate flood policy rather than storm damage.

Learn More About Hail Damage

Flood damage results from water originating off of your premises, such as:

  1. Overflowing body of water
  2. Mudslide
  3. Storm surge from hurricanes
  4. Broken water main

Flood insurance policies are essential in some areas that sit on floodplains. McAllen has some risk of flooding due to its proximity to the Rio Grande River and other streams and reservoirs in the area.

Tornadoes and hurricanes do not happen often in McAllen. But when they do, they can devastate a home or office building. Property insurance will usually cover wind damage from ordinary storms as well as tornadoes and hurricanes. This coverage usually protects your property from wind as well as objects knocked over or propelled by the wind.

Need Help with Property Damage? We've Got You Covered

When you suffer property damage, trust our team of Houston property damage attorneys to help you get the compensation required under your insurance policy. Contact us for a free consultation.

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The Impact of Property Damage on Homeowners and Businesses

Property insurance often covers temporary housing if the damage to your property renders your home inhabitable. It can also include business interruption coverage if your business needs to shut down due to property damage, repairs, or government-ordered evacuations. You can pursue compensation for your losses and expenses caused by the covered peril up to the policy limits.

Facing Property Damage?

When you suffer property damage, you need to focus on getting your life or business back together. Contact us so we can deal with the insurance companies while you rebuild.

Free Case Evaluation

What Is Typically Covered by Homeowners Insurance?

Homeowner's insurance protects owners from sudden and accidental property damage. Sudden means you did not have time to prevent the damage to your property. Natural disasters are usually sudden. A burst pipe might not be sudden if it resulted from gradual and ordinary wear and tear.

Accidental means the damage was not intentional or the result of neglect. If you lit a fire in your basement to thaw a frozen pipe, you might not be able to claim accidental fire damage. Similarly, a failure to perform ordinary home maintenance like cleaning your clothes dryer lint trap might lead to a claim denial for neglect.

If the insurance company pays the claim, it will cover:

  • Structural damage;
  • Personal property losses;
  • Reasonable and necessary out-of-pocket expenses like mitigation efforts or temporary housing.

Your policy also protects property owners from third-party liability for accidents like a slip and fall in the home.

Common Reasons Insurance Claims Are Denied

property damage lawyer

Insurance companies deny claims for many reasons.

Some common reasons an insurance company denies claims include:

  • The cause was not a covered peril;
  • The policy excluded the cause;
  • The policyholder did not provide accurate or complete information when buying the policy;
  • The policyholder breached the policy, such as failing to pay premiums or waiting too long to report the claim;
  • The damage existed before the policy's effective date;
  • The policyholder caused the damage through deliberate or neglectful acts, such as inadequate maintenance;
  • The damage resulted from ordinary wear and tear;
  • The loss was not documented to the satisfaction of the insurer;
  • The insurer suspects the property owners have committed fraud or misrepresented the damage.

On the other hand, some insurance companies have a policy of simply refusing to pay any claims until forced to do so. They hope that by denying all claims, at least some property owners will become frustrated with the claims process and drop their otherwise valid claims.

How Our McAllen Property Damage Lawyer Can Help You

property damage attorney

The Texas property damage lawyers from Omar Ochoa Law Firm focus on insurance litigation and property damage claims. Our attorneys have experience dealing with insurance companies and the tactics they use to underpay or deny claims. We take the burden of battling insurance companies off your shoulders so you can focus your efforts on rebuilding after your loss.

After disaster strikes your home or office, we can help by:

  • Discussing your property damage claim during a free consultation and determining a strategy for getting you fairly compensated for your losses;
  • Assessing and documenting the damage to the structure and your personal belongings;
  • Preparing a claim including supporting documentation explaining the damage and the value of your losses;
  • Responding to claim denials by submitting additional evidence and legal arguments;
  • Negotiating for a fair insurance settlement in view of your losses;
  • Litigating your claim if the insurance company refuses to settle.

Our goal throughout the case will be to get a full and fair outcome based on the facts of your case and Texas law.

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

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Why Choose Us for Your Property Damage Insurance Claim?

Extensive Experience in Property Damage Cases

We have successfully dealt with all types of property damage claims.

Personalized and Dedicated Legal Support

We tailor your legal strategy to the facts of your case.

Availability and Responsiveness

We will be available to answer your questions or discuss your claim.

No Fee Unless We Win

We charge contingency fees that you pay only when we settle or win your case.

Bilingual Services for Spanish-Speaking Clients

We will work with you in the language you are most comfortable speaking.

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

Trust Your Case to a Top Rated Attorney in Texas

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:

Contact a McAllen Property Damage Attorney!

We battle insurance companies for full and fair property damage settlements. Contact us to put us to work on your insurance claim.

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Available 24/7

No fees unless we win

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FAQs About Property Damage Claims in McAllen

How long does it take to resolve a property damage claim in McAllen?

Every property damage case has unique facts and circumstances such as the extent of the damage, the value of your losses, and which insurance company issued your policy. As a result, we cannot predict exactly how long your claim might take. But we work hard to settle your claim quickly and fairly so you can move forward with your life.

What steps should I take immediately after discovering property damage in McAllen?

Make sure you are safe. Leave immediately if the building is unsafe.

Take reasonable steps to mitigate damage. Make temporary repairs or hire a professional, like a plumber or electrician, to handle them.

Take pictures and videos to document the damage. Gather receipts and repair estimates to put a value on your losses.

Contact your insurer to report the claim.

What should I do if I disagree with the insurance company about the valuation of my property damage?

Insurance adjusters almost always undervalue your losses. Their job is to protect insurance companies, not you. When an insurance adjuster makes a low settlement offer, you should:

  • Read the adjuster's reasons and your policy to determine if they have a valid basis;
  • Review your records for documents that may persuade the insurance company to increase the settlement offer;
  • Negotiate with the insurance company directly or through a lawyer to try to get a full and fair resolution based on your losses;
  • Meet with a lawyer for a free case review to determine whether you should litigate against the insurance company.

Insurers will often back down when faced with a fight.