Homeowner’s Insurance Process – Problems and Disputes
Attorney Joey LaHatte – personal injury lawyer, hurricane isaac attorney
So, what happens when a Hurricane hits and shingles blow off your roof? and then, water gets into your home ruining your hardwood flood, drywall, ceiling, paintings, computers, and more? Technically, your insurance carrier is supposed to show up to your home with an adjuster, inspect your damages, calculate your losses, and write you an insurance check. Well, if it were only that easy…..
My Deductible Is Too High
If you are reading this post right now, it is highly likely that your insurance company does not want to pay you, right? I bet an adjuster showed up at your house and said “this is not covered under your homeowners policy”, or “your damages are within your deductible”. This is an attempt by your insurance company not to pay you what you are probably owed. It is scary to imagine that after paying these companies like Allstate Insurance claim, Southern Fidelity claim, State Farm claim, Encompass, Citizens, Bankers, Farmers, they show up and want to pay you nothing to restore your life.
Fortunately, that is where our firm comes in folks. Our firm has on retainer a very experienced set of insurance adjusters and contractors to inspect your home and determine whether or not your damages are covered under your policy. We typically find thousands of dollars in additional damages, sometimes even more. By law, under Louisiana Revised Statutes 22:1982 and 22:1973, these insurance companies shall make a written offer to settle this property damage claim within thirty (30) days of receipt of the satisfactory proof of loss.
What happens if they do not? Our firm then seeks penalties and attorney’s fees under this Louisiana Law. This amount can go up to 50% of the total damages.
If you retain us to pursue your claim, we will only take an attorney fee on any amount recovered beyond your initial, written offer from your insurance carrier sent to you within 30 days from the initial claim. So, we will try and get your more money, via more covered losses. Call me – 504-599-8666