Once the floodwaters have subsided, property owners are left to secure the premises and deal with the insurance company. The cumulative impact of a flood from a storm or hurricane is overwhelming. Making legal mistakes with the insurance company can result in a loss of your coverage that you needed.
Legal Help Is a Phone Call Away
The law offices of Omar Khawaja fight hard for clients when insurers fail to cover the total cost of flood damage repairs. Our Houston flood damage lawyers carry a track record of success in handling insurance litigation cases. Learn more by calling us for a Free Case Evaluation at (281) 888-2339 or message us online directly.
Houston Flood Damage Claims We Handle
Attorney Omar and his legal team have years of experience handling insurance policy disputes related to flood damage. Our Houston flood damage lawyers are proficient in assessing your claim’s value and preserving evidence to negotiate your insurance settlement or civil award.
Types of flood damage claims that our firm handles include the following:
- River floods
- Public drainage floods
- Ground failures
- Lake level fluctuations
- Hurricane floods
- Tropical storm floods
- Improper installation
- Defective parts
- Residential and commercial damage
- Other flood and water damages
Insurers deny or reduce claim values to avoid paying your covered benefits. You should not have to fight with your insurance carrier after property damage. The Houston flood damage lawyers at the law firm of Omar Khawaja will hold them accountable for their policies under state and federal state laws.
No Flood Insurance? You Still Have Options
Standard insurance policies do not cover Houston flood damage. Without a flood insurance policy, homeowners face relinquishing their homes or filing for bankruptcy. Even worse, insurance companies will pay you less than your claim if they can get away with it.
The Law Offices of Omar Khawaja Can Help
If you do not have insurance, speak to a Houston flood damage lawyer on our legal team as soon as possible. Our legal team can assess if there are other legal avenues you can take. Depending upon the facts and circumstances of your case, you might have an opportunity to file an inverse condemnation lawsuit against liable governmental agencies for your property damage.
National Flood Insurance Program (NFIP) Claims
The federally-mandated National Flood Insurance Program(NFIP) offers insurance to those without access to flood insurance. Due to policy limitations and terms, constraints make it challenging for property owners to receive fair compensation. Hiring a Houston flood damage lawyer becomes even more critical when navigating an NFIP claim.
NFIP Claims Follow Different Rules
The federal government has numerous defensive tactics at its disposal that private insurers do not have. These defenses consist of sovereign immunity, federal preemption, and a laundry list of strict compliance rules. Instead of allowing them to get away with paying you less, hire a Houston flood damage lawyer.
Get Legal Help for NFIP Claims
At the law offices of Omar Khawaja, we will help endure this process and make sure that your payout is reasonable. The federal government must process your claim accurately. However, you must also follow suit; work with a Houston flood damage lawyer to protect your rights during an NFIP claim.
Insurers Are Prohibited from Specific Acts
A bad faith claim differs drastically from a flood insurance claim denial. If the insurer denies your claim or withholds benefits for unlawful reasons, then you have the right to obtain additional compensation from bad faith and unfair dealing claim. Your Houston flood damage lawyer will help you understand if your case has legal standing.
Examples of bad faith claims include:
- Denying coverage without research
- Taking too long to process claims and payments
- Avoiding your phone calls, emails, or letters
- Not engaging in the negotiation process
- Not offering claim denial reasons in writing
- Falsely applying local, state, and federal laws
- Other acts of bad faith or unfair dealing
Proving a bad faith claim is challenging. However, a Houston flood damage lawyer at the law office of Omar Khawaja will evaluate your case to determine if bad faith acts existed. We will leave no stone unturned when you work with our legal team.
Insurance Companies Are Not on Your Side
Before accepting an insurance settlement, consider the offer carefully. Insurance providers always attempt to settle for less if they can, especially since they do not always consider the hidden consequences of a flood in your house. For this reason, hiring a Houston flood damage lawyer is essential to the outcome of your case.
The Law Offices of Omar Khawaja Represents YOUR Interests
If you believe that the settlement is well below your actual losses, or even if your insurance company is denying your flooding claim entirely, then you need to call a Houston flood damage lawyer at the law firm of Omar Khawaja immediately. Our firm ensures that your rights and interests are represented.
Our Legal Team Has a Deep Bench of Experts and Resources
We will investigate your claim independently from the insurance company and consult with our experts to establish your claim’s total and actual value. Even if the liable parties do not budge, we are ready to fight for you in court. Our legal team will stand dutifully by your side throughout the entire process.
Did Flood or Water Damage in Houston damage your Property?
Insurance companies often deny flood insurance claims by allocating them to the NFIP. If you want your insurance company or the NFIP to pay your flood damage claim, then you will want to hire an experienced Houston flood damage lawyer early on in the claims process.
You Do Not Have to Accept Less Than You Deserve
The law firm or Omar Khawaja has represented people in your exact situation. When the insurance company does not meet the terms it promised, our firm will take the time to understand your case and hold them accountable for the promises they made to you and your family.
Contact Our Houston Flood Damage Lawyers for Help
The Houston flood damage lawyers at the law firm of Omar Khawaja are ready to fight for the compensation you need and deserve. Please contact our legal team now to schedule a Free Case Evaluation at (281) 888-2339 or contact us online.