Flooding is one of the most common and devastating causes of property damage in Texas. From personal belongings to structural damage, floods can result in significant financial loss for property owners. If you’ve recently experienced property damage or loss due to flooding, it’s essential to have a trusted legal team on your side. At Patout, Fontana, and Dellis PLLC, our seasoned Houston flood damage claim lawyers are here to fight for the full and fair compensation you deserve. Why You Need a Flood Damage Claim Lawyer Flood damage often extends beyond what meets the eye. It can destroy personal items with sentimental value, such as photographs and family heirlooms, while also causing extensive structural issues to your home or business. Unfortunately, insurance companies may: Delay your claim unnecessarily. Undervalue the extent of your damages. Deny valid claims outright. Navigating these challenges can be overwhelming, especially when trying to recover and rebuild. Our experienced attorneys understand the complexities of flood damage claims and will work tirelessly to ensure you receive the compensation you are entitled to under your policy. Common Types of Flood Damage Claims Flooding can cause a wide range of damages, including: Structural damage to homes and businesses. Mold and mildew growth due to water exposure. Damage to personal belongings, including furniture and electronics. Electrical and plumbing issues. Business interruption and lost revenue. Our legal team is equipped to handle all types of flood damage claims, no matter the extent of the loss. How We Help At Patout, Fontana, and Dellis PLLC, we take a comprehensive approach to flood damage claims: Policy Review: We thoroughly review your insurance policy to ensure all applicable coverages are included in your claim. Documentation: Our team gathers detailed evidence of the damage, including photographs, repair estimates, and receipts for damaged items. Negotiation: We handle all communications with your insurance company to fight for a fair settlement. Litigation: If necessary, we are prepared to take your case to court to secure the compensation you deserve. Serving Property Owners Across Texas From Houston to Galveston and beyond, our flood damage claim lawyers proudly serve individuals and businesses throughout Texas. We understand the stress and financial burden that comes with flood damage, and we’re here to guide you through every step of the claims process. Contact Us Today Don’t let an insurance company undervalue your claim or delay your recovery. Contact Patout, Fontana, and Dellis PLLC today to schedule a consultation. Let us help you fight for the compensation you need to rebuild and move forward.

When navigating the complexities of insurance claims in Texas, it’s crucial to understand the distinction between first-party and third-party claims. Each type of claim involves different processes, responsibilities, and parties. Here, we’ll break down the differences and explain how Patout, Fontana, & Dellis can assist with first-party claims across the Lone Star State. What is a First-Party Insurance Claim? A first-party insurance claim is filed by the policyholder—the “first party”—against their own insurance company (the “second party”). This type of claim is based on the terms and coverage outlined in the policyholder’s insurance contract. Common situations that lead to first-party claims include: Homeowners Insurance: Filing a claim for damages caused by storms, fires, or other covered events. Auto Insurance: Seeking coverage for repairs or medical expenses after an accident, provided the policy includes comprehensive or collision coverage. Health Insurance: Requesting reimbursement for medical expenses covered by your plan. In these cases, the insurance company is obligated to evaluate the claim and provide the benefits stipulated in the policy. What is a Third-Party Insurance Claim? In contrast, a third-party insurance claim is made by someone who is not the policyholder. This type of claim occurs when a third party (someone other than the policyholder) seeks compensation from another person’s insurance provider. Examples include: Auto Accidents: Filing a claim with the at-fault driver’s liability insurance to cover damages or medical expenses. Premises Liability: Seeking compensation for injuries sustained on someone else’s property. Third-party claims typically require the claimant to prove the other party’s liability for the damages or injuries. The Challenges of First-Party Claims in Texas Even though first-party claims involve your own insurance company, they can still be challenging. Insurance companies may: Dispute the value of your claim. Deny coverage for specific damages. Delay the claims process unnecessarily. Texas law holds insurance companies accountable for handling claims fairly and in good faith. If you believe your insurer is not honoring its obligations, you may have grounds for legal action. Why Choose Patout, Fontana, & Dellis for Your First-Party Claim? At Patout, Fontana, & Dellis, we specialize in assisting Texans with first-party insurance claims. Our team understands the tactics insurance companies use to undervalue or deny claims, and we’re committed to ensuring policyholders receive the benefits they’re entitled to. Here’s how we can help: Comprehensive Claim Evaluation: We review your policy to ensure all applicable coverages are included in your claim. Expert Negotiation: Our attorneys negotiate directly with your insurance company to secure fair compensation. Litigation Support: If necessary, we’re prepared to take your case to court to protect your rights. Serving Texans Statewide From Houston to Dallas, Austin to El Paso, Patout, Fontana, & Dellis proudly serves policyholders throughout Texas. Whether you’re facing a denied claim, underpayment, or unnecessary delays, our team is ready to advocate for you.

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