At McLaurin Law, we use our inside insurance industry knowledge and experience to assist clients who have suffered flood damage in Texas and are seeking to file a flood insurance claim, appeal a claim denial, or file a lawsuit so they can cover their repairs and return their homes to a state of normalcy.
Houston, Texas
Flood Insurance Claim Lawyer
”“McLaurin Law pays attention to their clients and works around their clients’ needs. They took time to hear the case with patience and provided us assurance and comfort to handle the case quickly and properly. They kept communicating with us and provided updates in a timely manner. Would recommend!”
- Sunita Raj
When Do You Need a Flood Insurance Claim Lawyer in Houston, Texas?
Flooding in your home can be life-changing, destroying your belongings, causing severe financial setbacks, and making areas of your house unusable for months or years. You may have lost equity you were building in your home, and now you are facing the reality of the damage and taking the appropriate steps to bounce back.
At McLaurin Law, we are familiar with the strategies and tactics of the insurance companies, and you should involve an experienced Texas flood insurance claims lawyer from our team as soon as possible to help you file a claim or appeal a flood insurance claim denial.
If you purchased flood insurance, you did so with the hopes that your insurance company would cover any flooding damage you may experience in your Texas home. Unfortunately, it can be challenging to make a successful claim on your flood insurance policy.
Insurance companies can deny flood claims for many reasons. However, if your company has denied your claim in bad faith, you may be able to appeal the denial or take legal action to seek compensation.
What Does Flood Insurance Cover in Texas?
Flood insurance is a special type of insurance policy that covers flooding on your property. While every policy differs slightly, the majority of standard flood insurance policies include coverage for the following:
- Electrical systems
- Plumbing systems
- Furnaces
- Water heaters
- Permanently installed carpet
- Cabinets, paneling, and bookcases
- Refrigerators, stoves for cooking, and built-in kitchen appliances like dishwashers
- Detached garages
- Foundation walls and staircases
- Fuel tanks and well water tanks
- Solar energy equipment
Contact our flood damage claims legal team in Houston, Texas today to schedule a strategy session in which we can identify the right next steps following your flood incident.
Does Homeowners Insurance Cover Flooding in Texas?
Many people mistakenly believe that their homeowners insurance policies will cover flood damage. While homeowners insurance will typically cover some natural disaster damage like wind from tornadoes or hurricanes, it typically will not cover damage from earthquakes or flooding, such as flood water damage from hurricanes. If you would like to be able to seek coverage for flooding, you will need to purchase flood insurance, which is distinct from homeowners insurance.
In reality, the majority of homeowners policies only cover some types of water damage in certain circumstances, such as from burst pipes, and it is important to understand that water from burst pipes is not “flooding.” Sewer backup is also not typically covered under homeowners insurance, and there are important distinctions in how sewer issues are handled, but you may be able to add an applicable sewer line damage rider to your homeowners policy.
Some homeowners insurance companies offer flood insurance policies, but you can also purchase them directly from the National Flood Insurance Program (NFIP) managed by FEMA. Some companies only sell NFIP-backed policies, while others offer even more comprehensive protection, so you should review what is covered under a given policy in relation to your property and needs.
Flood insurance policies usually have a 30-day waiting period before they go into effect. You must plan ahead if you think you will need flood insurance soon. If you experience flooding before this 30-day period is up, you will not receive coverage.
Contact our experienced flood damage claims legal team today if you need to make a claim for flood damage or water damage in Houston, Texas.
Why Choose McLaurin Law
Since 2017, McLaurin Law has served hundreds of Texas clients with a focus on commercial, insurance, and personal injury law. We offer 24/7 availability and 30-minute initial strategy sessions.
Our firm is led by Jason C. McLaurin, who provides a distinct “Insider Advantage.” Having worked for insurance companies, he uses that industry knowledge to counter denied or undervalued claims.
While we handle complex litigation like maritime liabilities and road accidents, our true difference lies in our relentless advocacy. We serve Houston, Sugar Land, Baytown, Katy, and Pearland, taking the stress off your shoulders by leading you through every step of the legal process. Our team understands the tactics insurers use, and we leverage that experience to ensure you receive the maximum compensation possible with as little frustration as possible.
Frequently Asked Questions
What Should I Do If An Insurance Company Has Denied My Texas Flood Claim?
If your flood claim is wrongfully denied, you can file an appeal to force a reconsideration. This process requires presenting new, compelling evidence of the damage. A flood insurance attorney can help gather these records and identify specific policy violations. If the insurer still refuses to pay after the appeal, the next step is filing a lawsuit. We guide you through litigation, seeking a fair settlement through mediation or representing you in court to ensure you receive the compensation you’re owed.
Is Flood Insurance Required in Texas?
In Texas, flood insurance is mandatory if you have a federally backed mortgage and live in a Special Flood Hazard Area (high-risk zone). However, over 40% of NFIP claims come from areas not considered high-risk. Even if not legally required, coverage is a vital safeguard since standard homeowners policies exclude flood damage. Renters should also consider separate contents coverage, as their primary policy typically won’t cover flood losses. We can verify your zone and help ensure you have the right protection in place.
How Can a Texas Flood Claims Lawyer Assist You?
A flood claims lawyer acts as your advocate, handling all communication with the insurance company to take the burden off your shoulders. We perform a deep-dive review of your policy to pinpoint where the insurer failed to meet its obligations. Our team assists with the entire appeals and litigation process, ensuring all evidence is meticulously gathered and presented. By understanding the tactics insurers use to undervalue claims, we fight to secure the maximum compensation allowed under your specific policy terms.
Contact McLaurin Law Today: When You Need More Than Luck On Your Side
You are at a disadvantage if you try to take on the insurance company alone. At McLaurin Law, we have insider experience and insights regarding the tactics and strategies the insurance companies use to minimize their payouts, and we use this knowledge to help our clients seek fair and appropriate compensation.
Contact our flood damage claims legal team in Houston, TX today to schedule your strategy session with an experienced Texas flood insurance attorney.
