Houston, Texas Flood Damage Attorneys

Helping You with Flood Damage Claims & Denials

If you’ve lived in Houston for a while, you know how parts of the city and the surrounding counties can get flooded with heavy rains, sometimes with very little warning. As a business owner or homeowner, you need flood damage insurance that can pay for your losses when floodwaters rise. You also need to know that you can trust your insurance provider to give you the coverage you paid for—which might be asking for a lot when dealing with some insurance companies.

Before you lose sleep over the tactics of a dishonest insurance company, call (713) 561-5454 to connect with the flood damage insurance attorneys of The Law Offices of Omar Khawaja in Houston. We have built our reputation by dealing with insurance companies and stubborn insurance representatives, so our clients don’t have to. We take each case to heart and act as if we are representing ourselves because that’s what we would expect if we were a client in need.

Want help filing a new flood damage claim? Need legal counsel to challenge a denied flood damage claim? Fill out an online contact form now.

Does Homeowners’ Insurance Cover Flood Damage?

Purchasing homeowners’ insurance doesn’t necessarily mean that you also have purchased flood damage insurance. In many cases, flood damage insurance is not bundled into a standard homeowners’ insurance policy. If you aren’t sure if you’re covered, let our attorneys review your policy. You may need to purchase a separate flood damage policy if it is not part of your homeowners’ insurance or business owners’ insurance.

Additionally, you can purchase a separate flood damage insurance policy even if this coverage is part of your standard policy. If your home is damaged by a flood or floodwaters, we can review your policies to see if you can get coverage from both. It might be possible to be fully covered for even vast amounts of flood damage costs in this way.

What Does Flood Damage Insurance Cover?

Typically, a flood damage insurance policy will pay for:

  • Damage to the structure and foundation of your home or business, as well as any built-in pieces of equipment like industrial kitchen appliances and HVAC systems.
  • Damage to your personal property like electronics, furniture, appliances, etc.
  • Cleanup and flood remediation services that remove debris from your home and then use professional-grade equipment to dry out your home.
  • Costs associated with temporary housing, such as if you need to live in a hotel while flood remediation crews repair your home.

Certain flood damage insurance policies will also have a separate “basement coverage” clause. This clause may describe additional or special coverage for equipment or property that is normally kept in a basement or cellar and that was damaged by a flood. For example, furnaces, water heaters, and electrical equipment like breaker panels are usually covered by this clause, but to a limited extent.

Why are Flood Damage Claims Denied?

An insurance company may come up with any number of illegitimate reasons to deny a flood damage claim. At the same time, there might be valid reasons for your claim to be denied. If you have been notified that your claim was denied for any reason, the first thing you should do is dial (713) 561-5454 to get our Houston flood damage lawyers on the case. We can review the denial letter to see if the reason for denial is legitimate based on the explanation given and the terms of your policy.

Common reasons why flood damage claims are denied are:

  • Damage was caused by water but not by a flood (e.g., burst pipe or rain without flooding).
  • Not enough photographic or video evidence was submitted when the claim was filed.
  • Claim was filed after a mandatory filing deadline.
  • Flood occurred during a lapse in the policy coverage.
  • Paperwork was not completed correctly.
  • Claim was filed during a waiting period after a flood that affected thousands of policyholders.
  • Policyholder did not make reasonable efforts to mitigate flood damage.
  • Home or business was in a flood zone with coverage exclusions.

Bad faith tactics an insurer might try to deny or harm a flood damage claim are:

  • Denying a claim without giving any reason at all.
  • Denying a claim for an unlawful reason.
  • Denying a claim after not conducting a proper investigation of the flood damage.
  • Intentionally delaying the handling of a claim to make the policyholder give up.
  • Offering a deliberately low settlement amount that is below what the policyholder is owed.
  • Intimidating or harassing the policyholder.

Make Us Your Legal Champions – Call Now

At The Law Offices of Omar Khawaja, our Houston flood damage claim attorneys are always available to hear from new and returning clients who need our legal help. If you need to either file a flood damage claim or challenge the denial of a claim you already filed, get us on your side now.

We can help with your case by:

  • Reviewing your insurance policy.
  • Drafting and filing your claim.
  • Responding to insurance company inquiries.
  • Challenging or appealing claim denials.
  • Attempting to negotiate a settlement to end your claim before litigation.
  • Preparing for litigation and representing you in court if needed.

No matter what needs to happen in your case, our goal will be to get you the full coverage amount that you deserve. While it’s true that no one should have to fight their insurance company for coverage after a flood, it happens quite often. Be ready for whatever the insurer tries by putting us in charge of your case today.

Call (713) 561-5454 or submit an online contact form now.

Our Promise To You

What Sets The Law Offices Of Omar Khawaja Apart?
  • Dedicated & Experienced Counsel
    Our team has handled thousands of cases and we have the skills, insight, and commitment to fight for the results you need and deserve. We are not afraid to go to trial and will work until we obtain justice on your behalf.
  • Personal Touch to Personal Injury
    At The Law Offices of Omar Khawaja we pride ourselves on providing personalized attention to each and every one of our clients. We work to get to know you and your case to understand how we can best assist with your goals.
  • Customized Legal Strategies
    We believe that no two cases are alike and work with you to understand, first and foremost, the details of your case and how our team can be most beneficial to you and your needs. Next, we work to collaborate with you on a targeted legal approach.
  • Commitment to Integrity

    Your legal rights are our priority. We give our utmost attention to every case with outstanding morals and work ethic. Our team commits ourselves to ALWAYS providing you and your loved ones with the highest quality legal service around.

Let Us Be Your Voice

We Will Aggressively Exercise Your Rights

Every case is different and every client has unique needs. Contact us today to see if we are the right lawyers for you.

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