Omar Ochoa Law Firm

Texas Wind Damage Lawyer

No Win, No Fee. Guaranteed.

Omar Ochoa Law Firm is proud to help Texas residents pursue claims for wind-related damage and secure the resources they need to move on in the aftermath of a destructive natural event.

Don't let the insurance company blow away your claim. Reach out to our dedicated wind damage lawyer today.

  • Free Consultation

  • Available 24/7

  • No Fee Until We Win

Trusted Texas Wind Damage Claims Lawyer

When your property faces the devastating effects of wind damage, you need a trusted ally to ensure that your insurance claim receives the consideration it deserves.

Omar Ochoa Law Firm stands ready to represent you as your dedicated Texas insurance claims lawyer, serving McAllen, Edinburg, Houston, and San Antonio, as well as other areas throughout the Lone Star State.

We bring years of hard-earned experience to the table, with an impressive track record that includes recovering more than $1 billion for our clients. Our commitment is simple: we'll help you file your claim, navigate the resulting legal process, and obtain the payment you need.

From assessing wind damage losses to negotiating with insurance companies and, when necessary, litigating claims, we're here to protect your interests.

When the high winds of uncertainty threaten to hold you back, we'll be there to move your claim forward. Contact us today to schedule a free consultation.

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(956) 253-3121

What Types of Wind Damage Does Insurance Typically Cover?

Homeowners insurance typically covers wind damage, though the specific coverage can differ depending on the policy. It's important to review your insurance contract to fully understand your level of coverage.

Here are some common types of wind damage that are typically covered by insurance:

  1. Roof Damage: Most homeowners insurance policies cover damage to shingles, tiles, or other roofing materials caused by strong winds or flying debris; some will even pay out for a new roof.
  2. Structural Damage: Windstorms can cause structural damage to buildings, including walls, windows, doors, and the overall integrity of the structure; certain policies may cover the costs of structural repairs and rebuilding.
  3. Siding and Exterior Damage: Damage to the exterior of your property, such as siding, gutters, and facades, is often covered under wind damage insurance.
  4. Personal Property Damage: Due to roof leaks or broken windows, wind damage can also extend to personal property within the structure, such as furniture, appliances, and belongings.
  5. Falling Trees and Debris: If a tree or large piece of debris falls on your property due to strong winds, the resulting damage may be covered.
  6. Additional Living Expenses: If your home becomes uninhabitable due to significant damage, some insurance policies will cover the associated living expenses, which can include the cost of temporary housing, meals, and other necessities.
  7. Business Interruption: For commercial property insurance policies, business interruption coverage may apply if the damage forces your business to temporarily close — this coverage is meant to help compensate you for lost income during the closure.

It's important to note that coverage limits, deductibles, and policy terms can vary widely from one insurance carrier to another. Some policies may have specific exclusions or limitations related to wind damage. Read your policy carefully and make sure you understand it before filing a claim.

If you have questions or concerns about your wind or hail damage claim, reach out to Omar Ochoa Law Firm at (956) 305-1490 for a free case review.

Do I Need a Separate Insurance Policy for Wind Damage Coverage?

Do I Need a Separate Insurance Policy for Wind Damage Coverage?

Whether you need a separate policy for wind and hail damage or not depends on your homeowners insurance policy and carrier.

Standard homeowners insurance typically includes dwelling coverage for wind and hail damage, protecting your home, including the roof, from these perils. It's important to know your deductible, as you'll have to pay that amount before your policy will cover any repairs. Temporary repairs to prevent further damage are usually covered.

While separate windstorm policies are available for added protection, they may only be necessary in areas with a history of severe wind damage. If disputes arise with your insurance company, it's advisable to consult a law firm with experience in storm damage and insurance claims.

Get a Free Case Review!

Our knowledgeable wind damage attorneys are determined to obtain the maximum amount for your wind damage claim. Contact us today to set up a no-cost consultation and take the first step toward rebuilding your life.

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Reasons Your Wind Damage Claim Could Be Denied

Your wind damage claim could be denied for several reasons. Some common reasons for denial include:

  1. Policy Exclusions: If your policy explicitly excludes a particular type of covered peril, such as wind-driven rain, your claim may be rejected if the damage falls under these exclusions.
  2. Insufficient Coverage: If the extent of the damage exceeds your policy's coverage limits, you may not receive full compensation for it.
  3. Pre-Existing Damage: If the insurance company determines that the damage existed before the wind event, it may deny your claim, as it's not a new loss.
  4. Missed Premium Payments: Neglecting to pay your insurance premiums can lead to a policy lapse, rendering your coverage invalid at the time of the claim.
  5. Delayed Reporting: Similarly, failing to promptly report wind damage to your insurer can result in denial, as timely reporting is typically a requirement.
  6. Inadequate Documentation: If you lack sufficient evidence to support your claim, such as photos, repair estimates, or damage assessments, your insurer may deny it.
  7. Disputes Over Cause: If there's a dispute over whether the damage was caused by wind or another factor, your insurer may deny your claim until the issue is resolved.
  8. Misrepresentation: Providing inaccurate or false information during the claims process can lead to a denial.
  9. Policy Non-Renewal: Sometimes, insurance carriers may decide not to renew a policy, which could affect your ability to file a claim after the policy's expiration.
  10. Lack of Maintenance: If the insurer finds that you failed to adequately maintain your property and that that failure contributed to the damage, they may deny your claim.

It's crucial to thoroughly review your insurance policy, promptly report damage, document the damage with photos and estimates, and maintain open communication with your insurance adjuster to minimize the risk of claim denial.

If you think your claim has been wrongly denied, connect with our insurance lawyers for a free case review.

How a Wind Damage Claims Lawyer Can Help You

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Dealing with wind damage to your property can be challenging. Fortunately, our dedicated wind damage claims lawyer is here to guide you through every step of the process. Here's how we can help.

Assessing Wind Damage Losses

Your attorney will thoroughly assess the extent of the damage, ensuring that no detail goes overlooked. We understand the complexities of wind damage claims and will work diligently to maximize your compensation.

Gathering Essential Documentation

We'll assist you in gathering all the essential documentation to support your wind damage claim. This may include photographs, estimates, and any other evidence needed to strengthen your case.

Negotiating with Insurance Companies

Our legal team has ample experience negotiating with insurance companies. We'll handle all communication with your insurer, working to secure a fair and timely settlement that adequately covers your wind damage losses.

Litigating Wind Damage Claims

If your insurer is uncooperative or attempts to deny a valid claim, we're prepared to take your case to court. Our litigation experience will ensure that your rights are protected, and we'll fight relentlessly to win the compensation you have coming to you.

With a skilled property damage attorney by your side, you can pursue your wind damage insurance claim with confidence. Your peace of mind and ability to recover are our top priorities.

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

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Why Choose Omar Ochoa Law Firm for Your Fire Damage Claim?

Working with the seasoned legal team at Omar Ochoa Law Firm has many advantages. In addition to our extensive knowledge of the law, you can expect to benefit from the following:

Personalized Service

We provide individualized attention, tailoring our approach to meet your unique needs and circumstances.

A Proven Track Record

We have a solid reputation for maximizing compensation for our clients, including a history of successfully handling wind damage insurance claims

Around-the-Clock Availability

Our team is available 24/7 to assist you when you need it most.

No Fees for Unsuccessful Cases

We work on a contingency basis, meaning you only pay us if we secure a successful outcome for your claim.

Bilingual Services

We offer Spanish-language services to clients who prefer to communicate in their native 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

Fighting for Justice Throughout Texas

No matter where your damaged property is in the Lone Star State, you can count on having Omar Ochoa Law Firm in your corner as you fight for compensation.
We work with clients across Texas!

Schedule Your Free Case Review Today

Don't waste time hoping a holdout insurer will come around.
Contact us today to discuss your wind damage claim and get the compensation you deserve.

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Available 24/7

No fees unless we win

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FAQs on Wind Damage Claims

What's the difference between actual cash value (ACV) and replacement cost coverage for wind damage claims?

Faulty wiring, unattended cooking equipment, candles, or smoking are all common causes of house fires. Although homeowners insurance may cover some of the fire damage, there are a few situations when fire damage will not be covered.

If the home was considered vacant at the time of the fire — unoccupied for more than 30 days — it likely won’t be covered. And if arson caused the fire, even if the homeowner didn’t purposely set the fire themselves, deliberate fire is a criminal offense and not covered.The difference between actual cash value (ACV) and replacement cost coverage lies in how they calculate claim payouts.

ACV considers the damaged property's current value, factoring in depreciation due to age and wear. This means you receive a payout that reflects the item's worth at the time of the loss, which can be less than its original cost.

By contrast, replacement cost coverage covers the full cost of repairing or replacing the damaged property with a similar new item, without deducting for depreciation. It provides a higher payout (often closer to the property's original value), ensuring that you can fully restore your damaged property.

The decision of which coverage type is right for you will come down to whether you'd prefer lower premiums (ACV) or more comprehensive coverage (replacement cost).

Will my insurance pay my living expenses if I can't live in my home?

Many insurance policies offer optional coverage for additional living expenses (ALE) when your home becomes uninhabitable due to covered damage like wind or hail. ALE can help with temporary housing, meals, and other necessary costs.

The extent of coverage and specific limits may vary depending on your policy. As such, you'll want to consult your insurance provider to better understand their ALE provisions and confirm that you’ll receive the support you need during your home's restoration.