Homeowners Insurance Claims for Hurricane Damage

Homeowners Insurance Claims for Hurricane Damage

Hurricane season is upon us once again. Following the devastating damage Hurricane Laura caused in Lake Charles and many other parts of the state this week, you might find yourself facing a hurricane insurance claim. While most policies don’t cover flood damage by default, most Louisiana homeowners should be able to receive coverage for rain and wind damage with no issues.

However, making an insurance claim for property damage isn’t always as straightforward as it seems. Your policy may have strict limits hidden in the fine print or an insurance agent might try to convince you to accept far less in compensation than you need or deserve.

For example, insurance adjusters might claim that:

  • Since the damage done to your home was caused by water, it falls under “flood damage” and is therefore not covered under your homeowners insurance policy
  • You only need to repair part of your roof, when in fact the entire thing must be repaired
  • Your home or property had preexisting damage that was not caused by the hurricane
  • Your insurance coverage has lapsed and therefore your claim is invalid

When an insurance company falsely claims something like the above in order to avoid paying out an insurance claim, this is called an act of “bad faith.” Insurance bad faith is something that should never be tolerated. Our New Orleans law firm specializes in Louisiana insurance claims of all kinds. We can help you hold insurance companies responsible for bad faith.

What to Do After a Hurricane Damages Your Home

If your home or property has suffered damage from Hurricane Laura or another storm, it is imperative you immediately start collecting evidence that could bolster your claim. The more documentation you have that supports your hurricane insurance claim, the less likely the insurance company will be able to deny it.

If your home or property has been damaged by a hurricane, do the following:

  • Take as many pictures of the damage as you can
  • Catalog everything that was damaged and make a list
  • Save copies of all related receipts and paperwork
  • Keep a record of your communication with the insurance company

It helps to have photos of how your home and property looked before any storm damage occurred for comparison’s sake, so we recommend always keeping updated photographs of your home on file in case you need to file a claim in the future.

How Our Firm Can Help

If you believe you may have a homeowners insurance claim for hurricane damage on your hands, or if your claim has become complicated or been denied, we can help.

Our New Orleans insurance claims lawyers can:

  • Review your policy to determine if you have a claim
  • Help you file a homeowners insurance claim properly
  • Assist you with additional insurance claims that come up
  • Appeal a denied claim on your behalf
  • File a lawsuit for bad faith insurance practices

By working with an attorney from the beginning, you can set your claim up to be successful from the start. An experienced insurance claims attorney will ensure everything is filled out correctly and that the insurance company has no grounds for refusing to grant you maximum compensation—or to deny your claim altogether.

If your claim does get wrongfully denied or the insurance company commits another act of bad faith, we will work with you throughout the appeals process and take the company to court if they refuse to cooperate. Whatever it takes, we will fight for you.

Has your home been damaged by Hurricane Laura or another storm? Contact our New Orleans hurricane insurance attorney today online or at (504) 509-5177.

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