Houston Property Damage Lawyer

In Houston, property damage risks are multifaceted due to the city’s exposure to severe weather conditions and natural disasters. The region is particularly vulnerable to hurricane damage, with powerful storms frequently causing extensive structural damage to homes and businesses. Heavy rains and flooding are also common, exacerbating the risk of water damage and foundation issues. 

Houston’s climate can also lead to other forms of damage, including roof deterioration from intense sun exposure and wind damage from severe thunderstorms. At Larry Moskowitz, PA, we protect property owners’ and businesses’ right to compensation through dedicated representation and property damage legal help in Houston.

Photo of a Damaged Fence

Why You Need a Houston Property Damage Lawyer on Your Side

Dealing with property damage is never easy, but when you’re facing mounting repair costs, delayed insurance responses, or outright claim denials, it’s clear you need professional legal help. A Houston property damage lawyer serves as your frontline advocate, working to make sure your claim is properly documented, aggressively negotiated, and pursued to the fullest extent of the law.

At Larry Moskowitz, PA, we understand the complexity of insurance policies and how often insurers exploit that complexity to avoid paying full compensation. That’s why we walk you through every step of the legal process. From your first inspection to your final resolution, we’re here to protect your rights and your property.

Houston Property Damage Claims and Hurricane Risks

In Houston, hurricanes present one of the most severe threats to residential and commercial properties. Every year, tropical storms and hurricanes roll through the Gulf Coast, bringing with them high winds, torrential rain, and flying debris that can cause catastrophic property damage. Whether your home suffers from broken windows, roof collapse, floodwaters, or long-term mold growth, the financial burden can be overwhelming.

Insurance companies may attempt to deny hurricane-related claims by misclassifying wind damage as wear and tear or excluding flood damage under standard homeowners’ policies. That’s where we step in. At Larry Moskowitz, PA, we bring decades of legal experience and technical expertise to assess hurricane losses accurately. We help you explore additional coverage options, including FEMA assistance, windstorm riders, and excess flood insurance if standard policies fall short.

If your home or business has been affected by a hurricane, our legal team will immediately deploy inspectors and engineers to capture the full extent of the storm’s impact and make sure your claim reflects the true value of your loss.

Types of Property Damage Claims Our Houston Property Damage Attorneys Handle

Structural Damage Claims

Structural damage can result from various events such as severe storms, hurricanes, or foundational issues. Houston’s unique weather patterns, including heavy rains and high winds, can compromise the integrity of your property. Our team will conduct thorough inspections to assess any structural weaknesses or damage.

Roof Damage Claims

Roof damage often results from hurricanes, hailstorms, or strong winds, and can include issues like missing shingles, leaks, or severe structural damage. Insurance policies typically cover sudden or accidental damage but will exclude wear and tear. Our experts will inspect your roof, identifying storm-related damage in detail.

Fire Damage Claims

Fire damage is multifaceted, involving more than just the immediate flames. It includes smoke damage, water damage from firefighting efforts, and chemical damage from kitchen fires. Our Boots on the Ground team will assess all aspects of fire damage, including the impact of smoke, water, and chemical residues.

Water Damage Claims

Water damage can be catastrophic, affecting everything from walls and floors to insulation and electrical systems. Prompt action is vital as mold can begin to grow within hours. Our law firm will deploy experts in water mitigation, air quality, and mold inspection to fully document all aspects of water damage.

Pipe Damage Claims

Leaks from aging or damaged pipes can cause extensive water damage. Homes built before 1975 are particularly susceptible to issues if they have cast iron pipes. Insurance policies may only cover access costs rather than the full replacement of plumbing systems. Our team will fight to ensure comprehensive coverage for replacing old pipes.

Mold Damage Claims

Mold thrives in damp environments and can quickly spread following water intrusion. Our Houston property damage attorneys and mold specialists will investigate the extent of mold growth, identify the source of moisture, and work to secure compensation for mold remediation and repair, ensuring your property is safe and healthy.

Hail Damage Claims

Hail damage can be difficult to detect, especially on roofs, but it can also affect windows, screens, and outdoor furniture. Our experts will evaluate all potential hail damage, including the impact on roofing materials, glass, and exterior fixtures.

Personal Belongings Damage Claims

Damage to personal property can occur due to various events such as fires, floods, or storms. This includes everything from furniture and electronics to sentimental items. Our team will help document and value the damage to your personal belongings, ensuring you receive fair compensation for your losses.

Business Property Damage Claims

Business properties face unique challenges when damaged, including potential loss of revenue and operational disruption. Our Houston property damage attorneys handle insurance claims related to property damage, business interruption, and any related losses to ensure your business gets back on track as quickly as possible. 

Unfair Insurance Company Tactics: Why Property Owners Need Our Houston Property Damage Lawyer on Your Side

Insurance companies are driven by profit, often leading them to undervalue or deny insurance claims in various ways. Here’s how they might undermine your property damage claim in Houston, TX:

Roof Damage Denials

Insurance policies typically cover roof damage from sudden or accidental events such as storms, hurricanes, or hail. However, insurance companies might deny claims by attributing damage to normal wear and tear, which is not covered. They may also offer minimal repairs, like replacing only a few shingles, instead of a full roof replacement when it’s warranted.

Fire Damage Complications

Fire damage is complex, involving not just the visible effects of flames but also smoke, water damage from firefighting efforts, and potential chemical damage. Insurance companies might focus only on the fire’s direct impact and ignore other damages or undervalue the overall repair costs.

Water Damage Limits

Water damage can quickly lead to mold growth and structural issues. Most standard insurance policies have limits on water and mold coverage. Insurers might downplay the extent of damage or dispute the coverage limits, leading to insufficient compensation for necessary repairs and remediation.

Photo of Damaged Houses

Pipe Damage Disputes

Plumbing leaks, especially in older homes with cast iron pipes, can cause significant damage. Insurance providers may cover only the immediate leak and not the entire plumbing system. They might also refuse to cover replacement costs, focusing only on repairs or access costs.

Mold Damage Issues

Mold growth from water damage can lead to severe health and structural issues. Insurance carriers might argue that mold is a result of neglect rather than covered water damage, leading to claim denials or inadequate coverage for mold remediation.

Hail Damage Detection

Hail damage often affects roofs and exterior features like windows and screens. It can be subtle and difficult to detect, which allows property damage insurance companies to downplay or deny claims, claiming the damage is minor or unrelated to the recent storm.

What to Expect When Filing a Property Damage Claim

When you hire Larry Moskowitz, PA, you can expect a comprehensive and proactive approach to your case. Here’s how the process typically unfolds:

  • Initial Consultation: We’ll discuss your situation and review your insurance policy.
  • Damage Evaluation: Our “Boots on the Ground” experts inspect your property and document all damage.
  • Claim Preparation: We prepare and submit a detailed claim that supports the full scope of your losses.
  • Negotiation: We deal directly with the insurance company to resolve coverage disputes and push back on undervalued offers.
  • Litigation (if necessary): If the insurer refuses to pay fairly, we take your case to court and fight for every dollar you’re owed. 

Legal Protections for Property Owners in Houston, TX 

Texas law protects policyholders from bad faith insurance practices. If your insurer acts unreasonably or in violation of your policy, you may be entitled to additional damages. Our firm will hold them accountable.

We also help ensure that all claim deadlines are met and that your coverage is interpreted in your favor, not the insurance company’s.

Choosing the Right Property Damage Lawyer

When choosing a property damage lawyer in Houston, look for:

  • Experience with local claims (especially hurricane and flood-related cases)
  • A proven track record in negotiation and litigation
  • Direct access to qualified inspectors and experts
  • Client-first communication and transparency

Larry Moskowitz, PA offers all of the above and more.

How Our Property Damage Lawyers in Houston Protect Your Claim Against Unfair Insurer Tactics

Expert Assessment 

Once you retain our services, Larry Moskowitz, PA deploys a “Boots on the Ground” team of specialists to ensure comprehensive evaluation and documentation of your property damage:

Structural Engineers

Roofing Experts

Plumbers and Pipe Specialists

Fire and Smoke Damage Specialists

Hail Damage Experts

Water Mitigation Experts

Air Quality Experts

Mold Specialists

General Contractors

Fighting for Your Rights

Houston property insurance claims lawyer Larry Moskowitz, with over 35 years of legal experience, brings aggressive, evidence-based negotiation and trial preparation from day one. He is committed to ensuring that insurance companies fulfill their obligations and provide fair compensation.

By thoroughly documenting the extent of your damages, we counter any attempts by insurance companies to undervalue your claim or offer low-ball settlements.

We interpret complex insurance policies and aggressively negotiate coverage disputes, ensuring that all aspects of your damage are covered. If necessary, we are prepared to take your case to court to recover the compensation you are owed. To schedule your free consultation, call us at (844) 849-0760 or contact us online.

Get Help From an Experienced Property Damage Attorney

With Larry Moskowitz, PA, you’ll have access to helpful resources, expert insights, and legal guidance tailored to Texas property damage claims. Let us help you recover compensation.