Omar Ochoa Law Firm

Texas Insurance
Claim Lawyer

No Win, No Fee. Guaranteed.

Are you being mistreated by an insurance company? Call Omar Ochoa Law Firm today, and we can help you fight a bad faith insurance claim!

  • Free Consultation

  • Available 24/7

  • No Fee Until We Win

Overcoming Insurance Disputes With a Texas Insurance Attorney

In the event of an accident or an injury caused by another party’s negligence, you may have the right to file a claim for reimbursement of losses you incurred with the insurance company. While it would be ideal to believe that insurance companies will do so promptly and for the full amount, this doesn't always happen.

Unfortunately for many victims, insurance companies may give them the run-around, either by asking for unnecessary documentation to delay payment, not paying the full amount, minimizing the degree of their injury, or outright denying a legitimate claim.

If your insurance claim has been denied or underpaid, or you need assistance with your insurance recovery, call us at (956) 253-3121 to request a free consultation! 

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(956) 253-3121

Insurance Claims We Handle in Texas

The Texas insurance lawyers at Omar Ochoa Law Firm understand that a denied or underpaid claim can put you and your family in a serious financial bind. Contact our Texas insurance claim lawyers if you need help resolving any of the following insurance disputes:

Your homeowner's insurance is there when things go wrong. We help with claims filed on your or another party’s homeowners insurance.

Commercial Property Insurance

A Texas insurance attorney can help expedite a claim, so you can fulfill your landlord responsibilities.

Fire Damage

Fires are among the most devastating events a Texas family can experience. If your home is partially or totally damaged by fire, we seek swift payment for your home repairs and your temporary accommodations.

Wind Damage

Strong storms and wind can cause serious damage, especially to fences and outbuildings.

Water Damage

Leaking pipes, putting out a fire, or a damaged roof can all lead to serious water damage. Our Texas insurance lawyers make sure that your claim covers all necessary repairs, including mold remediation.

Flood Damage

Flooding can affect the entire structure of your home or commercial property, from the foundation up. Let our team help you to get the payments on the coverage you're owed.

Hail Damage

Springtime hail storms in Texas can cause serious damage to your car or the roof of your house. Prompt payment of a hail damage claim can ensure that the damage is fixed quickly before the problems - especially for a roof - become worse.

Whether you need reimbursement from your own insurance company or you filed a claim for damage caused by another driver, car accident damage is one of the most common types of bad-faith claims our Texas insurance attorneys handle.

Hurricane & Tornado Damage

A hurricane or tornado is a devastating act of nature - and this is one reason that many bad-faith insurance carriers may deny a valid claim. We make sure that after a disaster hits, you receive your fair compensation.

Business Interruption

As a business owner, the prosperity of your business may depend on insurance coverage for business interruption, such as from a disaster or storm. We help you secure the correct value of your lost profits.

Bad Faith Insurance Claims

Don’t let a bad-faith insurance company get away with underpaying or denying your valid claim. If you've been fighting to get fair payment, turn to a skilled Texas insurance attorney for help.

Life Insurance Claims

Losing a loved one is devastating, and fighting unfair insurance companies only makes things worse. Let a compassionate life insurance attorney in Texas help you secure the money that your loved one wished your family to have.

Roof Damage

We help Texans across the state navigate roof damage insurance claims caused by severe weather, ensuring fair compensation and a smooth process.

What Does Our Insurance Recovery Process Look Like?

Although each case is unique, they generally follow these steps: 

Stage 1: Review Your Case

At your initial consultation, we review your case, including the terms of the insurance policy, and advise you of your legal options. If you do have a valid bad-faith case and we agree to work together, then we begin our own investigation.

Stage 2: Gathering Documentation

We will ask for a copy of the insurance policy; if it’s another party’s, then we will obtain it from them. Next, we contact the insurance company and verify the status of your claim. If there are other documents, like medical records or property damage estimates, we'll request those, too.

Stage 3. Investigation

Our investigation is our preparation to support your claim in court. We may interview witnesses of the incident to verify that the cause was one covered by the policy. We may also complete discovery and formal questioning of witnesses or the insurance adjuster under oath.

Stage 4. Negotiation

After filing a bad faith lawsuit, we may be able to settle with the insurance company outside of court, in mediation, or through a demand letter. We negotiate with them on your behalf, seeking a fair settlement and other damages.

Stage 5: Trial (If Needed)

If we cannot achieve a resolution through negotiation, then our lawyers can take your case to trial in a Texas civil court.

Don't Fight Your Insurance Company Alone!

Trust our experienced lawyers to handle your case. Reach out for a free consultation with our insurance recovery attorney.

Free Case Evaluation

How Much Do Our Services Cost?

Our Texas insurance attorneys work on a contingency basis, which means that you do not pay legal fees unless we win your case. This arrangement allows us to pursue your case and take the risk of litigation on ourselves.

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

Contact Us

Why Choose Omar Ochoa Law Firm to Handle Your Insurance Claim in Texas?


We care about finding the best solution for your needs.

Deep Knowledge

Our attorneys have extensive experience across a wide range of industries.

Available 24/7

We pride ourselves on being a resource for our clients to turn to whenevery they need it

There Is No Fee Unless We Win

It’s simple: if we don’t win, you don’t pay.

We Offer Spanish-Speaking Services

Members of our team are fluent in Spanish and ready to serve clients in their preferred language.

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 Achieving Justice Throughout Texas

In addition to Dallas, Austin, Brownsville and Cameron County, and Hidalgo County, we serve:

Discuss Your Case with a Texas Insurance Claim Attorney!

Have you been treated unfairly? Our Texas insurance attorneys fight for the rights of insured families, business owners, and individuals against bad-faith insurance companies. 

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Available 24/7

No fees unless we win

Se Habla Español

FAQs About Insurance Claims in Texas

Common reasons for insurance claim denials in Texas

After filing an insurance claim in Texas, it’s important to know a few reasons why it could be denied. Knowing the potential reasons for denial can help you prepare ahead of time to avoid them and increase the chances the claim will be approved. 

Common reasons an insurance company will deny your claim include: 

  • The insured didn’t provide enough information, like receipts, medical records, or estimates
  • The insured or the claimant didn’t meet the requirements of the policy; each insurance carrier sets its own conditions under which a claim is approved, so check your policy for its grounds for denial
  • The insured submitted an exaggerated or fraudulent claim; any evidence an insurance carrier uncovers that indicates fraud will lead them to deny your claim
  • The insured did not properly fill out the required forms and paperwork; a clerical error on your part could result in a delay or denial of your claim 

Although these are reasons that an insurance company will deny an invalid claim, they’re also reasons that they may give to deny a valid one - even if you turn in everything correctly and completely. A lawyer can verify whether your claim complies with all the carrier’s requirements. 

What is the timeline for an insurance litigation case in Texas?

The length of time it takes to settle a bad faith insurance claim varies depending on how complex the matter is and if it's a large claim. The insurance company has 15 days to respond and settle a claim once it receives the claim.

If it does not settle the claim, then the claimant must file suit within two years of the date of the incident. A lawsuit can take anywhere from a year to several years to conclude.

Can I speed up the insurance process in Texas?

The insurance company will ask for many documents from you, like a police report, medical records, and a proof of loss statement. Having these ready to submit, or sending them with the claim, helps expedite their investigation.