If a hurricane damaged your Alexandria home and displaced your family, our Louisiana hurricane relief team 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 lawyer will help you recover from the disastrous aftermath of a hurricane and seek the compensation your insurer is responsible for providing. At Laborde Earles Injury Lawyers, our team will read and review your policy, assess your covered losses, and help you fight for the monetary protection of your policy so you and your family can start rebuilding your lives.
Our Louisiana Hurricane Damage Legal Team Is Ready To Represent You
As a responsible homeowner, you purchased hurricane 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 team will:
- Review the scope and limitations of your policy
- Review your history of claims and payments
- Document, prepare, and file your insurance claim
Our Alexandria personal injury lawyers have a thorough understanding of state and local laws. This means that we can ensure your insurer does the right thing. According to RS 22:1973, your insurance company “owes to his insured a duty of good faith and fair dealing,” and we make sure you get it by making sure your insurance company is honest and aboveboard in its handling of your claim.
Itemize 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
Your home can suffer damage specific to you that is not included on this list. For example, let a member of our team know if your Alexandria, La., home included a pool, outbuildings, or landscaping that sustained damage. When we assign a value to your claim, our goal is to ensure no valid expenses are inadvertently omitted and that your compensation is not undervalued or underpaid.
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What 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 specifically offer coverage for hurricanes directly. 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 renters insurance policy could provide coverage following a hurricane. In some ways, this coverage is similar to that of a homeowners 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 when they 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.
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Time Limits On Filing Insurance Claims
You have limited time to notify your insurance company following a hurricane. While it is important to comply with this deadline, filing claims in the aftermath of a hurricane can be difficult. Many people are displaced, and access to the internet can be scarce.
In general, there is a 180-day window to file a claim following a hurricane. However, there are several caveats that come with this timeline. The state will set the specific date where the 180-day window begins to count down. In many cases, the state will also agree to blanket extensions for all residents when it comes to filing these claims. The result is that homeowners usually have more than 180 days to file their claim following the date of the hurricane.
Navigating these important deadlines is crucial for anyone seeking benefits through their insurance policies. Thankfully, there is no need to take on this process alone. An Alexandria hurricane damage lawyer from our firm could assist with the claims process while keeping track of this deadline.
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We Never Stop Fighting For Your Recovery After A Louisiana Hurricane
Rebuilding your home in Alexandria and putting your lives back together after a hurricane means you and your family will have many details to handle. When you work with us, one of our primary goals is to ensure you have the support you need from our hurricane damage lawyer and staff to make the days and weeks ahead easier.
Many insurance companies include a hurricane deductible in your policy. If your policy includes one, we make sure it complies with the regulations set by Louisiana Department of Insurance (LDI) guidelines. 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.
At Laborde Earles Injury Lawyers, we help you understand the limitations of your homeowners insurance policy. We also make sure you understand how to seek additional coverage from any flood insurance policies you may have purchased 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
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.
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.
We Work Hard To Earn Referrals From Previous Clients
One of the best ways a client can say they are happy with the services we provide is by telling others about our firm. When clients refer us to family and friends, they say:
“Throughout my case, Laborde Earles Injury Lawyers did everything we discussed on day one, with true professionalism and compassion…the comfort and support was immediate and, their experience and talent gave me my life back.” – Cory Riche
“This is a wonderful firm. They know the personal injury process in and out and they are patient, explaining each step, making sure you understand, protecting you from being taken advantage of and making sure you get the recovery you need to get back to your life. You’ll never feel uninformed or overwhelmed with them on your side!” – Tiffany Carter
“They provided excellent service, demonstrating professionalism and personal attention to detail. My paralegal Kimberly is smart, realistic, efficient, pleasant, and very personable: all the qualities you want. I will recommend to my family and friends.” – Danielle Lott
Your financial recovery after a hurricane is a priority for our legal team. Just like we did for these clients, we make sure your case gets the careful review and attention it needs and deserves. You can also read more on past client perspectives by browsing our testimonials page and Google reviews.
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Allow Our Alexandria Team To Get To Work For You Today
Hurricanes are often traumatic events for those who live through them. Even after the storm is over, the damage that can result from flooding, fires, falling objects, or wind can continue. The good news is that certain insurance policies could provide coverage following a hurricane.
Were you and your family displaced by Hurricane Ida in Alexandria, La.? Our hurricane damage lawyer near you can help you get the financial compensation you need to start rebuilding your life. Get started right away by calling one of our Laborde Earles Injury Lawyers team members today.
Get The HelpYou Need(318) 777-7777To Schedule a FREE CONSULTATION
24 hours a day • 7 days a week
