Omar Ochoa Law Firm

Texas Business Interruption Claim Lawyer

No Win, No Fee. Guaranteed.

Unpredictable occurrences can temporarily put an end to a company's operations. At Omar Ochoa Law Firm, we have extensive experience helping businesses maximize their business interruption policy payouts in times of need.

  • Free Consultation

  • Available 24/7

  • No Fee Until We Win

Trusted Texas Business Interruption Insurance Claim Lawyers

Business in the Lone Star State is booming across many sectors. At Omar Ochoa Law Firm, we work with all types of businesses, big and small, to help them get back into the game after a business interruption. We hold insurance companies accountable and fight to make sure they pay our clients every penny they owe.

Whether you are in Dallas, Houston, McAllen, or San Antonio, we can provide you with legal services that will help you maximize your insurance claim and get you the money you need fast. Don't let insurance companies give you the run around in your time of need. Let a business interruption lawyer from our team work diligently to recover your claim benefits and get you back up and running.

Request a Free Case Review

We are available to assist you 24 hours a day!

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Need help right away? Call us!

(956) 253-3121

Understanding Business Interruption Claims in Texas

Understanding Business Interruption Claims in Texas

What is business interruption insurance? Business interruption insurance is a type of insurance that protects businesses against the consequences of income lost after a disaster. If your business suffers a disaster, you can seek a policy payout to cover many facets of your operation that require cash, such as payroll and purchases.

The disasters and events that business interruption insurance protects against include theft, natural disasters, and other incidents that have negatively impacted your business operations.

If severe enough, these occurrences can lead to a business shutdown that can put an end to your business. They can also cause payroll problems that wreak havoc on your employees and lead to strained business relationships with other businesses. But with a timely policy payout, your company can avert a closure and get back to work.

Common Types of Business Insurance Coverage

Common Types of Business Insurance Coverage

When you research Texas Business Interruption Coverage, you will see various options for coverage. Which one is best for your business depends on your circumstances.

Typically, you will be able to choose from the following four types of coverage:

  • Business income coverage: Business income coverage protects your business by providing funds to cover your company's operating expenses and payroll. The size of the payout will be based on your company's past history of sales and expenses as demonstrated in your financial records;
  • Extra expense coverage: Extra expenses are those costs that are outside of the normal monthly expenses of your business. They are typically used to get a business back on its feet;
  • Contingent business interruption coverage: This form of coverage covers lost income due to a problem at a customer's or supplier's location, such as a fire or natural disaster;
  • Civil authority coverage: Civil authority coverage pays for loss of income and extra expenses when government action interferes with your company's ability to conduct business.

The type of business interruption insurance coverage that is right for you will depend on your needs. Our experienced business interruption insurance lawyers can help you make the right choice.

Civil Authority Coverage for Business Interruption

Civil Authority Coverage for Business Interruption

Civil authority coverage for business interruption covers situations relating to government orders and mandates that interrupt business operations. Orders and mandates may come from federal, state, and local governmental bodies and can have a devastating effect on a company's bottom line.

As you know, COVID-19 caused many governments at all levels to issue orders that led to the closure or downscaling of many businesses across the state and country. Those companies that had business interruption insurance were able to file claims to recover valuable compensation for their losses.

Keep in mind that many civil authority policies cover losses only when the lost income is directly caused by some type of physical loss, such as damage to goods and property. With other types of losses, the civil authority clause in these policies will not be triggered.

Common Causes of Business Interruption in Texas

Common Causes of Business Interruption in Texas

Numerous events can lead to a business interruption.

Some of the more common causes include:

  • Natural disasters: Texas regularly experiences all manner of natural disasters, including hurricanes, floods, and tornadoes, which can lead to business closures;
  • Fire and water damage: Fire and water damage are quite common in business and can occur at any time, whereas natural disasters are often seasonal;
  • Power outages: Power outages are becoming more frequent. A loss of power can send businesses into a financial tailspin;
  • Civil unrest: Texas has been experiencing an uptick in civil upheaval, from race issues to gun control. Riots and protests that interrupt business are the usual results;
  • Oil and other catastrophic spills: Catastrophic spills are capable of grinding a company's operations to a halt.

Regarding the final point, many business owners believe they have adequate coverage in this area when they do not.

Get a Free Case Review!

Let our business interruption insurance lawyer fight to maximize your business interruption claim. Call today for a free consultation to learn how we can help.

Free Case Evaluation

Insurance Claim Denied? Common Bad-Faith Tactics of Insurance Companies

Insurance Claim Denied? Common Bad-Faith Tactics of Insurance Companies

Having business interruption insurance is indispensable in the event of a disaster. However, because they are for-profit businesses, insurance companies often make it difficult for policyholders to get the compensation they deserve. Unfortunately, this is to be expected.

With that being said, an insurance company's actions can go too far, to the point where it is considered to be acting in bad faith.

If you experience any of the following with your insurance company, it may be acting in bad faith:

  • Delaying valid claims without giving reasons or by giving invalid reasons;
  • Offering a policy payout that is far below what the business deserves, according to the language of the insurance policy and the circumstances of the loss;
  • Saddling the claimant with unreasonable demands that only seek to delay or discourage the claimant from receiving a policy payout;
  • Manipulating the language in the business interruption policy to deny or reduce a claimant's payout;
  • Misrepresenting the extent of coverage offered in a policy or misrepresenting policy terms to pay less;
  • Communicating a lowball settlement offer without having performed an investigation;
  • Failing to communicate with the claimant in a reasonable and timely manner.

If you have experienced behavior of this nature, you are likely the victim of bad faith insurance and need representation. Omar Ochoa Law Firm can help you hold your insurance company accountable.

How Can Our Business Interruption Lawyers Help You?

lawyers OLF

The claims process for business interruption insurance is often complex and involved. And insurance companies fight hard to pay less. So business owners and leaders need a seasoned attorney to get maximum results.

When you choose our team to handle your business interruption insurance claims, we handle everything, including:

  • Investigating and assessing the losses you have experienced;
  • Gathering all required claims paperwork;
  • Analyzing your communications with your insurance company to identify acts of bad faith insurance;
  • Aggressively negotiating with insurance companies for a proper payout;
  • Litigating your claim if negotiations fail;
  • Keeping you abreast of the progress of your business interruption insurance claim.

The Omar Ochoa Law firm is a leading firm that has helped numerous businesses receive the claims payouts they needed and deserved. Call our office today and set up a free consultation to learn how we can help.

How Much Do Our Legal Services Cost?

At the Omar Ochoa Law Firm, we operate on a contingency fee basis and do not require a fee payment unless we win your case. We also front all of the costs associated with your claim. This means no money is necessary upfront to get started on your claim.

Reach Out for a Free, No-Risk Consultation

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?

Personalized Care

Your business circumstances are unique. So we tailor our services to your needs and objectives.

Extensive Experience

Our track record shows that we have the experience needed for your business insurance claim.

Free Case Evaluations

New clients receive free case evaluations. Come in, and let's discuss your claim.

No Fee Unless We're Successful

If our team fails to recover a payout for your claim, you owe us nothing!

Se Habla Español

We speak Spanish and have extensive experience representing Hispanic businesses and clients.

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

Proudly Assisting Businesses Across Texas

At the Omar Ochoa Law Firm, our team represents businesses throughout the Lone Star State, from Amarillo to Houston and from Dallas to Odessa. Give us a call today.

Book Your Free Case Review!

Call us today to get the seasoned help you need for your business interruption claim. We offer free consultations for new clients.

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Available 24/7

No fees unless we win

Se Habla Español

FAQs About Storm and Hail Damage Claims in Texas

Are natural disasters, such as hurricanes and floods, covered under business interruption insurance in Texas?

Yes. Your business interruption insurance should provide you with a payout for interruptions caused by natural disasters, including floods and hurricanes if they are included in the policy language.

What documentation do I need to provide when filing a business interruption claim in Texas?

When you want to file a business interruption insurance claim, you need various pieces of documentation to demonstrate your losses. These documents include financial records, business tax returns, records of profits and expenses, and any other paperwork that shows evidence of the extent of your company's losses.

How Long does it typically take to process and settle a business interruption claim in Texas?

It depends. Claim processing times can vary widely from case to case. If your case involves complexities, it will likely take longer than more straightforward cases. Generally speaking, it may take anywhere from a few weeks to several months to resolve your claim.

Can I claim lost profits or extra expenses if my business was partially interrupted in Texas?

Yes. Your business insurance policy may cover lost profits in the event of a business interruption — and even in the case of partial business interruptions. Just how much of the profits the insurance will cover depends on the policy's language.