Houston Hurricane Damage Insurance Claim Lawyer

What We Handle

Case Types We Fight

Wind Damage vs. Flood Exclusions

Insurers routinely misclassify wind damage as flood to reduce payouts. We fight this with engineering experts.

Business Interruption Losses

Commercial property owners who lose revenue during storm-forced closures.

Mold Resulting from Storm Damage

When storm water intrusion causes mold, insurers deny remediation as a separate excluded loss. We establish the storm as the proximate cause.

Temporary Living Expenses

Homeowners displaced by hurricane damage are entitled to ALE coverage.

Code Upgrade Claims

When repairs must meet current building codes under Ordinance or Law coverage.

Total Loss & Replacement Cost Disputes

Storm-caused total destruction replacement cost valuation battles.

What You Can Recover

Full replacement cost of damaged structures and contents
Business interruption losses and extra expense
Additional living expenses during displacement
Code upgrade costs under Ordinance or Law coverage
Statutory penalties and attorney's fees for bad faith handling

Recent Recovery

$620,000

Hurricane Damage — Wind vs. Flood Dispute / Commercial Property

Commercial property owner's claim was wrongfully classified as flood-only. CDF Law retained a structural engineer who documented wind intrusion as the primary cause. Full replacement settlement plus statutory penalties.

Past results do not guarantee similar outcomes in future cases.

Frequently Asked Questions

Common Questions About Your Case

My insurer says damage is from flooding, not wind — can they do that? +

This wind vs. flood dispute is one of the most common hurricane claim battles in Texas. Most homeowners policies cover wind but exclude flood. The insurer's determination is not final — it's a litigation position. CDF Law engages forensic engineers to establish which force caused which damage.

Can I reopen a hurricane claim from a prior storm? +

Depending on what you signed, a supplemental claim may be possible. Signing a Release limits future rights. If you believe your original payment was inadequate, contact CDF Law to review what you signed.

What is Ordinance or Law coverage? +

When storm damage requires rebuilding to current code, the cost often exceeds replicating the original structure. Ordinance or Law coverage pays this difference. Many Texas homeowners have it and don't know it — and many insurers fail to apply it.

Does Harvey 2017 or Beryl 2024 still have open claims I can pursue? +

Some Harvey claims remain in litigation. Texas Insurance Code § 542A sets filing deadlines that vary by claim. If you have an unresolved storm claim, contact CDF Law immediately.