Preheat the oven to 175°C (350°F). Spray a 9×13-inch baking pan with cooking spray and set aside.
In a large skillet, cook the ground beef over medium heat until it is no longer pink. Drain the fat.
Add the taco seasoning and water to the skillet and stir. Allow it to simmer for about 5-10 minutes or until the water is almost completely absorbed.
In a saucepan on medium heat, mix the cream of chicken soup, cream of mushroom soup, dried minced onion flakes, Rotel tomatoes, Cheez Whiz, Tabasco, Worcestershire Sauce, salt, and pepper until well blended.
Cover the bottom of the baking pan with enough crushed tortilla chips to cover it.
Spread half of the taco meat over the chips. Pour half of the Rotel mixture on top. Sprinkle half of the cheddar cheese on top.
Repeat the layers with the remaining taco meat, Rotel mixture, and cheddar cheese. Sprinkle the shredded mozzarella on top.
Bake for 35 to 45 minutes or until bubbly and golden brown.