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
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:
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:
When your property suffers damage from flames, smoke, and fire suppression, you can pursue an insurance claim.
Home and commercial property insurance covers water damage from sources on the property such as:
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.
Flood damage results from water originating off of your premises, such as:
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.Contact Us
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.
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.
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:
Your policy also protects property owners from third-party liability for accidents like a slip and fall in the home.
Insurance companies deny claims for many reasons.
Some common reasons an insurance company denies claims include:
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.
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:
Our goal throughout the case will be to get a full and fair outcome based on the facts of your case and Texas law.
We have successfully dealt with all types of property damage claims.
We tailor your legal strategy to the facts of your case.
We will be available to answer your questions or discuss your claim.
We charge contingency fees that you pay only when we settle or win your case.
We will work with you in the language you are most comfortable speaking.
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 battle insurance companies for full and fair property damage settlements. Contact us to put us to work on your insurance claim.
No fees unless we win
Se Habla Español
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.
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.
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:
Insurers will often back down when faced with a fight.