You believe your insurance company wants what is best for you as you deal with the ramifications of a natural disaster or accident. However, your insurer could put its bottom line above your losses and contest your claim. Work with a Houma insurance claims lawyer, and they will help you avoid this scenario and similar ones.
Laborde Earles has recovered over $1 billion in damages for our clients in insurance claims and injury lawsuits. Let our team handle the insurance claims process for you, and you will be in a great position to secure fair compensation based on your losses. Schedule a consultation with a personal injury lawyer serving Houma from our team.
What Is an Insurance Claim?
You can file an insurance claim if you have a valid policy and want to recover compensation for property damage or other covered losses. For example, your home is damaged in a hurricane. Following the storm, a hurricane damage lawyer serving Houma can help you file a claim via your homeowners insurance coverage.
If an insurer approves your claim, you will get compensation you can use to recover financially from your covered losses. Alternatively, an insurance company could deny your claim. If this happens, a Houma insurance claims attorney can review your denial letter and submit an appeal on your behalf.
The lawyers at Laborde Earles can explain how long you have to file an insurance claim for hurricane damage in Louisiana and other legal topics. Along with this, we will answer your legal questions and guide you through the claims process. Request a consultation with our attorneys.
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.
ClientReasons an Insurer Will Deny a Houma Insurance Claim
In addition to providing tips for filing an insurance claim after a hurricane or similar incident, your lawyer can discuss why your request for compensation could be denied. Ultimately, your attorney will gather evidence and take other measures to help you get your claim approved. Regardless, there are many reasons an insurer may reject your claim, such as:
You did Not Provide Adequate Information.
All it takes is a missing document or an error on your claim submission forms to lead to a denial. An insurance claims lawyer serving Houma, LA, works with you to file your claim. They can make sure your insurance company gets the requested information and follow up with the business to verify that it processes your claim as expected.
You Missed the Deadline for Filing Your Claim.
It is in your best interests to submit your claim as soon as possible. By waiting too long, your insurer may argue you were too late in filing it. If you share necessary paperwork with your insurer but the company still denies your claim, you could have grounds for legal action against the business.
You Had Pre-Existing Damage.
In your claim, you say your property was damaged in a natural disaster or accident. Based on an insurance adjuster’s investigation, your insurer states your property damage was there before this incident happened. At this point, an insurance claims attorney serving Houma, LA, can help you prove otherwise.
Your Claim Exceeds Your Policy Limits.
What it costs to repair damaged property could be more than what your policy is worth. Your lawyer can provide insights into what an insurance coverage limit is and the maximum compensation you could recover from your insurer. If necessary, they can negotiate an insurance settlement for you.
Unfortunately, insurance companies sometimes choose to operate in bad faith. If you believe you are the victim of bad faith insurance practices that lead to a denial of your claim, partner with a lawyer. Together, you and your attorney can search for ways to disprove your insurer’s case against you.
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 | ClientBad Faith Insurance Practices You Need to Know About
You believe you have a legitimate request for compensation from your insurance company. Sadly, your insurer disagrees, and the company looks for any reason to reject your claim. In this scenario, your insurance provider may use various tactics to deny your claim or push you to give up on it altogether, including:
- Delaying your claim. In Louisiana, an insurance company is required to respond to a claim within 30 days of receipt but could break the law by going beyond this deadline to process it.
- Misrepresenting your policy’s coverage. An insurer makes false statements about your policy, leading you to believe your losses are not covered in spite of the fact the business should compensate you for them.
- Making an unreasonable settlement offer. An insurance company proposes a settlement, you believe no better options are available, and you accept an offer that does not provide sufficient compensation for your losses.
Combat bad faith insurance practices with help from a lawyer. As your attorney examines your claim, they can look for signs indicating your insurer is working in bad faith. From here, they can build a case designed to highlight bad faith practices, which could help you get the compensation you deserve through your claim.
The reassurance from Digger and his staff gave me that renewed hope that it’s going to be okay down the road.
ClientOur Houma Insurance Claims Lawyers Give Your Claim Our Undivided Attention
Your insurance coverage offers financial protection after a natural disaster or accident. If you file a claim, your insurer is legally obligated to review it and decide whether to approve or reject it. In a situation where an insurance company delays or denies your claim, you have legal options.
The Laborde Earles team focuses on making moral and just decisions every day in our client interactions. If you want legal assistance with your insurance claim, we are here for you. Contact us to get started.
