Omar Ochoa Law Firm

Texas Roof Damage Attorney

No Win, No Fee. Guaranteed.

Omar Ochoa Law Firm is your partner in handling commercial and residential roof damage insurance claims across the Lone Star State. Our dedicated team brings unmatched legal skill and know-how to the table to help you get the financial resources you need.

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  • Available 24/7

  • No Fee Until We Win

Trusted Texas Roof Damage Insurance Claim Lawyer

When the elements wreak havoc on your property, our team will stand by your side and ensure that you receive the compensation you deserve.

The experienced Texas roof damage attorneys at Omar Ochoa Law Firm work with both commercial and residential property owners, providing unwavering support in McAllen, Houston, Dallas, San Antonio, and beyond. When you retain our services, you can rest assured that your roof damage claim will be in capable hands.

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Do I Need Special Roof Damage Insurance in Texas?

You don't typically need special roof damage insurance in Texas, as most standard homeowners insurance policies make provisions for roof damage. However, there are several important factors to consider that may influence the extent of your protection:

Standard Homeowners Insurance

Most homeowners insurance policies in Texas cover roof damage caused by specific perils like windstorms, hail, and fallen trees. This coverage usually includes the cost of repairing or replacing a damaged roof.


Homeowners insurance policies often have deductibles for wind and hail damage. You'll need to pay this deductible before your insurance company will cover the rest of the cost.

Age and Condition

Your insurer will consider the age and condition of your roof when determining the extent of your policy coverage. If your roof is old or has pre-existing damage, they may offer less or deny your claim outright.

Hail and Wind Coverage

Due to the frequency of hailstorms and high winds in Texas, some insurance companies might offer special endorsements or riders for additional hail and wind coverage. You can opt to add this extra protection to your policy for more peace of mind.

While special roof damage insurance isn’t a necessity, it's crucial to understand your existing homeowners insurance policy's coverage and any additional endorsements you may need.

What Types of Roof Damage Does Insurance Cover?

Homeowners insurance can cover many different types of roof damage in Texas and other states. That said, the specifics can vary depending on your policy and the cause of the damage. Here are some of the types of roof damage that insurance may cover:

Hail Damage

Hailstorms are a common occurrence in Texas, and they can cause significant damage to roofing materials. Most homeowners insurance policies cover hail damage, but there may be a deductible specific to hail-related claims.

Wind Damage

High winds, such as those from severe storms and hurricanes, can lift shingles, cause debris impacts, or even tear whole sections off the roof. Most homeowners insurance policies cover wind damage.

Fallen Trees or Branches

If a tree falls on your roof due to a covered peril (like a windstorm), the cost of removing it and repairing the damage will likely be covered.

Fire Damage

Homeowners insurance generally covers roof damage caused by fires, whether from wildfires or internal house fires. This includes repairs to or replacement of the damaged roof.

Vandalism and Malicious Mischief

If your roof is intentionally damaged through acts of vandalism or malicious mischief, your homeowners insurance should pay the resulting costs.

Weight of Ice and Snow

In some regions of Texas where snow and ice are seasonal hazards, damage caused by the weight of these elements may be covered under specific policies.

Lightning Strikes

Lightning can ignite fires or cause structural damage to a roof. Fortunately, most homeowners policies include lightning damage as a covered peril.

Accidental Damage

Accidents happen. If someone unintentionally damages your roof while working on it, as might happen when a contractor makes repairs, their liability insurance will likely cover the cost of repairs.

Facing Roof Damage Insurance Claim Issues? Contact Us for Legal Help!

Our attorneys are ready to help you pursue the maximum value of your roof damage claim. Contact us today to schedule a free consultation.

Free Case Evaluation

Why a Roof Damage Claim Might Be Denied

It’s possible that your roof damage claim could be denied for various reasons, including the following:

  • Lack of Coverage: Make sure your policy covers the specific damage you’re claiming.
  • Wear and Tear: Normal wear and tear may not be reimbursable.
  • Neglect or Poor Maintenance: Regular upkeep is crucial to avoid denial.
  • Excluded Perils: Some perils may not be covered unless you have additional insurance.
  • Policy Limitations: Review the payout limits and conditions regarding various coverage types.
  • Deductible Threshold: You must meet your deductible before your policy will pay for a covered claim.
  • Misrepresentation: Make it a point to provide accurate information to avoid denial.
  • Late Reporting: Report the damage immediately after it occurs to get the ball rolling on your claim.
  • Excessive Claims: Making too many claims in a given period may disqualify you from seeking compensation.
  • Insufficient Evidence: Document the damage thoroughly to provide strong supporting evidence.

The age of your roof and the decision to use unlicensed contractors for cheap labor may also play a role in your claim being denied.

Examples of Bad Faith Practices in Roof Damage Claims

Unfortunately, it’s not uncommon for stingy insurance companies to engage in bad faith practices that violate the principles of fairness in order to avoid paying out on valid claims. Here are a few of the tactics they may use:

  1. Unreasonable Delays: Insurers are expected to process claims quickly; when they don’t, the existing damage can become worse.
  2. Incomplete Investigations: Biased or incomplete investigations may favor the insurance company.
  3. Low Settlements: Knowingly offering inadequate settlements is an all-too-frequent strategy.
  4. Misrepresentation: Particularly unscrupulous insurers may offer false or misleading information during the claims process.
  5. Wrongful Denials: It’s unacceptable for any insurer to deny a valid claim without reason.
  6. Partial Payments: Offering only actual cash value instead of the full replacement cost is unjust and shouldn’t be tolerated.
  7. Retaliation: In some cases, the insurance company may attempt to penalize a  policyholder after they make a legitimate claim.
  8. Policy Misinterpretation: Intentionally misinterpreting complex policies to avoid payment is a form of misrepresentation that shows the insurer isn’t playing fair.
  9. Communication Failures: Lack of communication during the claims process can be problematic for the homeowner.
  10. Excessive Documentation Requests: The insurer may burden the policyholder with unnecessary paperwork to forestall their claim.
  11. Unreasonable Policy Cancellation: If your insurer cancels your policy retroactively without proof, you can hold them accountable.
  12. Threats or Intimidation: Using threatening or aggressive tactics to discourage claims is the epitome of bad faith.

If you suspect your insurer has stalled or denied your claim in bad faith, talk to an insurance claim attorney at Omar Ochoa Law Firm to learn more about your options.

How Our Roof Damage Attorneys Can Help

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The veteran roof damage attorneys at Omar Ochoa Law Firm are prepared to assist you in various ways. Here are some of the tasks we can perform for you:

  • Claim Evaluation: We’ll assess your case to determine its validity and potential.
  • Documentation: We’ll help gather essential evidence of the damage, including photos, videos, and repair estimates.
  • Communication: We’ll handle all necessary interactions with the insurance company to ensure that the lines of communication stay open.
  • Negotiation: Our legal professionals will negotiate with your insurance company to secure maximum compensation on your behalf.
  • Legal Research: We’ll employ our vast knowledge of the law to navigate potentially complex insurance policies and regulations.
  • Bad Faith Claims: If you think your insurer has engaged in bad faith practices, we can pursue legal action against them.
  • Appeals: If your claim is wrongfully denied, we’ll assist you in making an appeal and exploring other options for legal recourse.

Don’t square off with a stubborn insurer without a dependable legal advocate in your corner. Our attorneys will fight for you every step of the way.

Reach Out for a Free, No-Risk Consultation Today

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 Omar Ochoa Law Firm for Your Roof Damage Claim?

When you work with Omar Ochoa Law Firm, you can leverage the full legal potency of a team of veteran attorneys with a proven track record of success. You’ll also receive the following benefits:

Around-the-Clock Availability

We're here for you 24/7, ensuring that you have support when you need it most.

A Transparent Fee Structure

We operate on a contingency basis, which means you only pay if we win your case.

Extensive Legal Knowledge

Our deep understanding of Texas laws and regulations will give you a decisive edge in your claim.

A Client-Centered Approach

Your rights and interests are our top priority throughout the entire process, from the initial consultation to the final award.

A Bilingual Team

Our legal advocates are fluent in both English and Spanish and can assist you in your preferred language, guaranteeing clear, efficient communication.

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 Pursuing Justice Throughout Texas

When you find yourself dealing with roof damage and an intractable insurer, Omar Ochoa Law Firm can help you seek rightful compensation. We’re proud to serve clients throughout the state.

Get a Free Roof Damage Case Review

Our lawyers are here to help after your insurance claim is denied or underpaid. Contact our qualified roof insurance claim attorneys today to schedule a free, no-obligation case review!

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Does insurance cover roof leaks?

Your insurance policy may cover a roof leak if it results from a covered peril, such as storm damage or a fallen tree, but it likely won’t if it’s due to a lack of maintenance or general wear. Review your policy in detail to learn more, and consider working with a knowledgeable roof damage claims attorney.

Is it worth making a roof damage claim for minor damage?

Whether it's worth making a roof damage claim for minor damage or not depends on your deductible, the cost of repairs, and the potential impact on your future premiums. In some cases, it might be more cost-effective to handle minor repairs without involving your insurance company. Talk to your insurance agent to make an informed decision.

What if my roof had pre-existing damage?

Insurance ordinarily covers sudden and accidental damage, not pre-existing conditions. If your roof was damaged before you obtained your policy or before the covered event occurred, it might not be covered. It's crucial to disclose any pre-existing damage when purchasing insurance.