If a hurricane damaged your home and displaced your family, our Alexandria insurance claims lawyers will help you get the compensation you need to start over.
While you re-situate your family and cope with the stress that often follows a violent weather event, our team goes to work fighting for the monetary recovery you expect and deserve from your insurance provider.
Our Alexandria hurricane damage claim lawyers at Laborde Earles will help you recover from the disastrous aftermath of a hurricane and seek the compensation your insurer is responsible for providing. We’ve recovered over $1 billion in damages for previous clients.
Our Louisiana Hurricane Damage Legal Team Is Ready to Represent You
As a responsible homeowner, you purchased insurance to ensure you and your family could recoup your financial losses in the event of a hurricane. When we handle your case, we start by helping you prove the value of the damage to your home.
If you have not already done so, our team may recommend documenting your losses by taking extensive photos and videos, identifying serial numbers for damaged or destroyed property, and compiling any available receipts. On your behalf, our Alexandria personal injury lawyers will:
- Review the scope and limitations of your insurance policies
- Review your history of claims and payments
- Document, prepare, and file your insurance claim
Our hurricane damage claim attorneys in Alexandria have a thorough understanding of state and local laws. This means that we can ensure your insurer does the right thing.
Laborde Earles injury was great for me they took care of me very fast and professional. If for any reason I need legal help they will be who I use.
ClientWhy You Need a Hurricane Damage Attorney in Alexandria
Hurricanes are catastrophic events, leaving homeowners and business owners with extensive damage to their properties. Heavy rains, wind damage, broken windows, roof damage, and flood damage can result in millions of dollars in property damage.
Filing property damage claims with your insurance carrier may seem straightforward, but the insurance industry often employs bad faith tactics to delay or deny insurance payouts. A hurricane damage attorney understands the legal matters surrounding these claims.
We work to make sure your property insurance works as intended. Whether it’s dealing with storm-related roof damage or pursuing compensation for flood damage, our Alexandria hurricane lawyers can help ensure you get a favorable outcome.
I thank God for Digger & David. I don’t know what we would have done if it hadn’t have been for them.
Rick Smith | ClientItemize Your Hurricane Damage
In the immediate aftermath of the hurricane, it can be hard to take an objective look at your damages, which can make assessing the damage to your home complex, confusing, and emotionally trying.
When we represent you, we guide you through documenting the damages you suffered and the process of recovery. Hurricane damage to your home can include:
- Damage from fallen trees
- Interior structural damage
- Exterior structural damage
- Garage and porch damage
- Rain, wind, and hail damage
- Damage from uprooted trees
- Roof and foundation damage
Documenting damage to homes and personal property is a critical step in filing a hurricane insurance claim. Yet, in the chaos following a storm, it’s easy to overlook important details.
Our team recommends taking photos and videos of all visible damage, including roof damage, broken windows, and water damage. Additionally, compiling receipts, identifying serial numbers for destroyed items, and creating a detailed inventory of losses can strengthen your claim.
Our Alexandria personal injury attorneys will ensure your documentation is complete and accurate, helping you avoid delays and disputes with insurance adjusters
The reassurance from Digger and his staff gave me that renewed hope that it’s going to be okay down the road.
ClientWhat Types of Insurance Could Cover Hurricane Damage?
In the aftermath of a hurricane, most people seek help from anywhere they can find it. This often comes in the form of benefits paid out through insurance claims.
Not every insurance policy is the same, and only certain types of coverage apply to hurricane damage. Depending on the circumstances, benefits could be available through homeowners’ or renters’ policies.
Homeowners’ Policies
Homeowners’ policies are usually the primary source of compensation for property owners following a hurricane. That said, most insurers do not offer direct coverage for hurricanes. Instead, homeowners’ policies typically cover many of the indirect effects of a hurricane.
Some insurance companies apply specific deductible rates for hurricane damage. This is common in Louisiana, given the frequency of severe storms. This deductible is generally much higher than what comes with standard storm damage.
Renters’ Policies
There are different situations where a renter’s insurance policy could provide coverage following a hurricane. In some ways, this coverage is similar to that of a homeowner’s policy.
These policies do not specifically provide coverage for hurricanes, but they can replace damaged or destroyed property that results from the effects of a hurricane.
Specifically, a renters’ insurance policy could provide benefits for the following types of damage that result from a hurricane:
- Hail
- Wind
- Fire
- Some types of water damage
- Falling objects
- Wind
It is important to understand that renters’ insurance has specific exclusions that can apply to hurricane damage. For example, most renters’ policies do not include coverage for flooding.
Other types of water damage—including damage caused by burst pipes—could be covered. It is helpful to talk to an attorney about these exclusions before filing a claim.
They treated us like no other people would. Whenever we needed something they were there for us. I put my trust in them and I don’t regret it.
ClientTime Limits on Filing Insurance Claims
After a hurricane, you have a limited time to notify your insurance company and file a claim. While it’s crucial to meet this deadline, the process can be challenging in the aftermath of a storm.
Many people are displaced, internet access is limited, and the chaos of recovery can make filing claims difficult. In general, you have a 180-day window to file a hurricane insurance claim. However, the starting point for this timeline is set by the state, which determines the official date when the countdown begins.
Additionally, states often grant blanket extensions for all residents affected by a hurricane, providing more time to file claims beyond the initial 180 days. An experienced Alexandria hurricane damage lawyer from our firm can guide you through the claims process, ensuring your claim is filed on time and handled properly.
We Never Stop Fighting for Your Recovery After a Louisiana Hurricane
Rebuilding your home and putting your lives back together after a hurricane means you and your family will have many details to handle. One of our primary goals is to ensure you have the support you need to make the days and weeks ahead easier.
In addition, we make sure you understand the limits of your deductible and do not overspend before the protection of your insurance policy takes over and pays for your damages.
We help you understand the limitations of your homeowner’s insurance policy. We also make sure you understand how to seek additional coverage from any flood insurance policies and how to keep fighting for recovery by filing an appeal or by taking your insurer to court, if necessary.
Your Fight Does Not End Just Because Your Initial Claim Was Denied
Powerful storms can cause a wide range of destruction, resulting in significant damage to homes and financial losses for property owners. Filing a hurricane insurance claim can be a challenging process, especially when insurance adjusters scrutinize even valid claims to minimize payouts.
Despite paying expensive insurance premiums, many policyholders find themselves fighting for the compensation they rightfully deserve.
Recovering from the damage and devastation of a hurricane can be stressful and overwhelming. Your stress can be compounded when your initial application for financial compensation is denied. Fortunately, when our team fights for you, a denial does not have to be final.
How a Hurricane Damage Lawyer Helps
When we represent you, we help you keep fighting for the benefits of your insurance policy by filing an appeal. Our hurricane damage team will:
- Clarify the appeals process and timeline
- Handle communications with your insurer
- Prove the error in the denial of your claim
- Create a detailed list of your damages
If your insurance company denied your claim or offered a settlement amount that is too low, we can help. You are entitled to the coverage you purchased, and our team will help you fight for it.
How Our Lawyers Handle Denied or Underpaid Hurricane Insurance Claims
Insurance providers often deny or undervalue hurricane insurance claims, leaving homeowners and business owners without the financial recovery they are entitled to. This can happen due to bad faith tactics, such as lowballing repair costs, disputing the extent of wind or water damage, or misinterpreting policy terms.
Our Alexandria hurricane damage attorneys can help you challenge these unfair decisions. We carefully review your insurance policy, document your losses, and identify errors or bad faith practices by your insurer.
If your storm damage claim has been denied or underpaid, we will guide you through the appeals process to pursue the compensation you deserve.
Let Our Alexandria Hurricane Damage Claim Lawyers Get to Work for You Today
The insurance industry is skilled at minimizing payouts, especially after a widespread event like a hurricane. Dealing with insurance adjusters, understanding legal jargon, and navigating policy exclusions can be overwhelming.
Our hurricane damage lawyers in Alexandria have extensive experience handling property damage claims. Whether you’re recovering from wind damage, flood damage, or structural losses, we will advocate for your best interests and fight for fair compensation.
Laborde Earles can help you get the financial compensation you need to start rebuilding your life. Contact us today for a free consultation to learn how we can help.
