Did you know that a flood is the most common and most destructive type of natural disaster in the United States? In fact, according to Floodsmart.gov, 90% of all natural disasters involve flooding, and all 50 states in the country have experienced floods or flash floods in the last 5 years. Unfortunately, the damage your home sustains during a flood is not always covered under a standard homeowner's policy.
No matter if the flood was caused by a storm or broken pipes, the damage that is caused to your home can end up costing you thousands of dollars to repair. After an unexpected flood has occurred, homeowners can find themselves devastated when they hear that their insurance company won’t cover the costs of the flood damage.
At LaHatte Law, LLC, our skilled team of bad faith attorneys are here to help clients in New Orleans pursue the compensation they deserve from their insurer. If your home has been severely damaged or destroyed by a flood, call (504) 509-5177 to schedule a free consultation with our legal team. Let us protect your rights today.
To maximize your chances of successfully filing a claim, it is crucial to take clear photos of all the damage that was caused to your home by the flood. Get detailed pictures of the following things:
The more comprehensive evidence you are able to collect, the stronger your claim will be, which increases your chances of securing fair compensation from your insurer. When you choose our law firm to represent you, we will stand by your side and guide you through the claims process.
The National Flood Insurance Program (NFIP) was created after the passage of the National Flood Insurance Act of 1968. Congress enacted the NFIP to respond to the lack of available private insurance and significant increases in federal disaster assistance due to floods.
Before the program as created, flood was viewed as an uninsurable risk and coverage was virtually unavailable from private insurers. The NFIP is a Federal program that is managed by the Federal Emergency Management Administration (FEMA). The program has 3 three components:
Under the NFIP, property owners in participating communities are able to purchase insurance to protect against flood losses. These insurance policies are supposed to serve as an alternative to disaster assistance. Although homeowners are able buy extra flood insurance, they must first be covered by NFIP flood insurance.
If you have experienced property damage caused by a flood and want to file a claim with the NFIP, you will need to fill out a “proof of loss” report. Our experienced lawyers can walk you through this process to help make sure your flood claim is properly completed and submitted to the correct parties.
We take on all bad faith NFIP claims. Call (504) 509-5177 to request a free consultation.
Our legal team knows that insurance companies are notorious for hiking up their rates at the expense of the customer and suddenly denying coverage when it is most needed. We won’t let your insurer get away with this, and we will use our extensive resources to protect your interests and recover compensation for your flood damages. Let us get started on your case today.
Contact our New Orleans bad faith insurance attorneys to find out what our law firm can do for you.