Texans know the devastating impact of flooding well. The state's geographical and climate conditions make it particularly susceptible to flooding events.
Between 1960 and 2016, Texas saw a staggering $54.2 billion in property damage due to hydrometeorological disasters. Flooding was a significant contributor, being responsible for 24% of these damages.
The frequency of floods in Texas is notably high, with approximately 400 flooding events occurring annually. Moreover, floods account for a sizable portion of natural disasters in the state, representing roughly 90% of such incidents and averaging an annual cost of approximately $254 million.
In specific flooding events, the consequences can be nothing short of catastrophic.
For instance, during the 2015 Blanco River flood, the river rose from five feet to over 40 feet of water within hours, resulting in extensive property damage and tragic loss of life. The estimated damages in this event exceeded $45 million in Houston alone.
Statistics like these underscore the severe and persistent risk flooding poses to property in Texas — and the substantial economic repercussions and human toll associated with such events.
You may need flood insurance even if you have homeowners insurance. Most standard homeowners insurance policies don’t cover damage caused by flooding.
Homeowners insurance covers a wide range of perils, including fire, theft, and certain types of water damage (like burst pipes), but typically excludes damage caused by flooding. For insurance adjustment purposes, flooding refers to water that enters your home from an external source, such as heavy rain, storm surges, or overflowing rivers.
In light of this, you should consider purchasing a separate flood insurance policy to protect your home and personal belongings from flood damage. Flood insurance can be obtained through the National Flood Insurance Program (NFIP) or private insurers.
Your decision to purchase separate flood insurance may depend on factors like your location, your lender's requirements (if you have a mortgage), and the overall flood risk in your area.
Flood insurance may offer the following types of coverage:
It's important to carefully review your flood insurance policy to understand its terms, limits, and exclusions. Note that flood insurance generally doesn’t cover damage caused by sewer backups, seepage through the foundation, or damage to landscaping and outdoor property.
Flood damage insurance claims can be difficult to sort out. Contact a skilled flood damage claim attorney at Omar Ochoa Law Firm today to explore your options.
While flood insurance can be a valuable safeguard against water-related property damage, it’s possible for claims to be denied for various reasons. Common grounds for denial include:
It’s essential to review the terms and conditions of your flood insurance policy carefully to avoid being caught off guard by a denial. A qualified flood insurance claim attorney can help you parse the particulars of your plan.
Unfortunately, insurance companies have been known to engage in various bad faith practices in an effort to avoid paying out claims. This occurs when insurance adjusters unfairly deny valid claims. Here are some of the tactics they might use:
If you suspect bad faith practices are behind your flood insurance claim denial, seek legal assistance. An experienced attorney can help you push back against a denial and hold your insurer accountable for their actions.
As a policyholder, you have certain rights, and legal recourse is available to ensure fair treatment.
The seasoned attorneys at Omar Ochoa Law Firm are here to guide you through the complexities of a flood damage insurance claim. Our team will ensure that your rights are protected, your claim is processed properly and fairly, and you receive the compensation you’re due.
Here are just a few of the ways we can assist you:
Our goal is to ensure that you receive the compensation you rightfully have coming to you and hold miserly insurance companies accountable for unfair or unethical practices.
When you choose Omar Ochoa Law Firm to handle your flood damage claim, you’ll receive the following benefits:
Our legal team has handled countless flood damage claims and boasts extensive knowledge and a proven track record in pursuing such cases effectively.
We understand the emotional and financial toll flood damage can take, which is why we approach each case with empathy. We’re determined to secure a favorable outcome for your claim.
We’ll keep the lines of communication open at all times to keep you informed about the status of your claim and preserve your peace of mind. You can count on us to be responsive and available to address all questions and concerns.
Our "No Win, No Fee" guarantee means you won't be responsible for any upfront costs — we only get paid if and when we successfully resolve your claim.
We offer bilingual services for Spanish-speaking clients to ensure clear and effective communication throughout the claims process. We’ll do everything in our power to make you feel comfortable and included.
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
Omar Ochoa Law Firm proudly provides top-notch legal support to flood damage victims throughout the Lone Star State. We’re your trusted partner in recovering fair compensation for your flood-related losses.
Our lawyers are here to help after your insurance claim is denied or underpaid. Contact our qualified flood insurance claim attorneys today to schedule a free, no-obligation case review!
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Our firm operates on a contingency fee basis, which means you won’t pay anything unless we secure a successful outcome for your flood damage insurance claim. There’s no risk for you whatsoever — only reward.
Texas experiences flooding in many different regions due to its size and diverse geography. The following are some of the areas that are particularly susceptible to flooding:
Coastal areas along the Gulf of Mexico, including cities like Houston, Galveston, and Corpus Christi, are at risk of flooding from hurricanes, tropical storms, and heavy rainfall. Storm surges and high tides can exacerbate coastal flooding.
There are many large rivers in Texas, including the Rio Grande, Brazos, Colorado, and Trinity Rivers. The basins and floodplains near these rivers are common sites of flooding, especially during periods of heavy rain or when upstream reservoirs release water.
Hill Country regions like Austin and San Antonio are prone to flash flooding due to their rugged terrain. Sudden, intense rainfall can lead to rapid runoff and destructive flash floods in these areas.
Several sections of the Texas Gulf Coast, including cities like Galveston, are situated on low-lying coastal plains. These regions are vulnerable to both coastal and inland flooding, particularly during hurricanes.
Parts of South Texas, such as the Rio Grande Valley, can experience flooding from hurricanes, tropical storms, and heavy rain events at various times of year.