Today, many Louisiana residents are still struggling after suffering property damage due to a natural disaster, like Hurricane Ida, another hurricane, or a flood. Many of these people are struggling financially and cannot get their insurance claims approved or paid in full by their insurers. You may be among these people.
If your property insurance claim was denied for any reason or if you are unhappy with your insurer’s settlement offer, you can get assistance from one of our Lafayette insurance claims lawyers at Laborde Earles Injury Lawyers. Your lawyer may be able to appeal your insurer’s decision, negotiate with them, or help you refile your claim.
Common Issues That Arise After Filing an Insurance Claim
Your insurance claim may have been denied illegitimately or legitimately, or your insurer might not have offered a fair settlement. Regardless, you may have to argue with the insurer or appeal their decision. An insurance claims attorney from our firm can help with this, but first, your lawyer will help you determine precisely why you are having your issue.
Your Claim May Have Been Denied Illegitimately
If you believe your insurance claim was illegitimately denied, your attorney can investigate the matter for you. You may have a valid appeal. Commonly, insurance claims are denied for one of the following reasons:
- The insurer alleges that the claimant did not pay their premiums on time
- The insurer says the claimant’s kind of policy does not cover all the costs
- The insurer argues the claimant did not provide adequate evidence for their costs
Your Claim Might Have Been Denied for a Legitimate Reason
It can be hard to tell whether an insurance company has a good reason for denying a claim. When an insurer does have a legitimate reason, a lawyer may have to explain it to the claimant. A legitimate reason for denying a claim may be:
- The claimant did not provide adequate evidence for their costs
- The claimant misunderstood their policy
You Received a Low Settlement Offer
Your insurance claim settlement offer may be too low to cover your damages, like the cost of repairing your house’s foundation. In this case, the insurer’s excuse or reason may be one already mentioned. Regardless, our law firm can help you.
For a free legal consultation with a insurance claims lawyer serving Lafayette, call (337) 777-7777
Do I Need an Insurance Claims Attorney?
You do not necessarily need to have an insurance claims lawyer, but you may find one invaluable, regardless of your issue. A lawyer from our firm can help determine why you are experiencing your problem and then argue your case or appeal the insurer’s decision. Your lawyer can also:
- Scrutinize your policy and help you understand it better
- Check whether your policy covers all your damages
- Look into whether you paid your premiums on time
- Investigate whether there was an illegitimate reason for a denial
- Explain a legitimate reason for a denial to you
- Evaluate the evidence in your claim and add to this evidence
- Negotiate with the insurer on your behalf or file an appeal for you
- Represent your and your family’s needs
You may find it difficult and strenuous to argue with your insurer or file an appeal. Instead, you can leave it up to a lawyer from our firm while you focus on other matters. Our insurance claims attorneys have settled and litigated many cases totaling millions of dollars so you can be confident in their capabilities.
Holding the Insurer Accountable
Insurance companies want to protect themselves and their money, so they may engage in bad faith practices. If your insurer does this, your lawyer will hold them accountable.
However, insurers also typically want to avoid going to court, so your insurer may be willing to offer a favorable settlement. If so, your lawyer for insurance claims will likely take it, but if not, your lawyer can take your insurer to court, per RS 22:1973.
Sometimes, reaching a fair settlement with an insurer just is not possible. So instead, it is necessary to take a case to court. Our legal team will not hesitate to go to court if it will help you recover your due damages and hold your insurer accountable.
Lafayette Insurance Claims Lawyer Near Me (337) 777-7777
Damages in Property Insurance Claims
One of the issues you may be having is that you did not list all of your damages in your claim. This is something a lawyer from our firm can do for you. Your lawyer can also valuate your damages to help your insurer understand their worth.
In your claim, your attorney may list some of the following damages:
- Your bills for the repair of damage due to rain or flooding
- Bills for the repair of damage to your landscaping
- Repair bills for your house’s interior structure, exterior, or foundation
- The expense of a new home or temporary housing
- Your bills for any personal property you had to get repaired or replaced
Additionally, if your insurer acted in bad faith and your lawyer can establish this, your lawyer may be able to pursue additional damages.
Our Law Firm’s Successes
Our law firm aims to help people like you and their families recover from accidents and disasters like Hurricane Ida. We help these people by representing them to insurers or courts and managing difficult insurers. If this is what you need, you should consider hiring a member of our legal team.
Our team has over one hundred years of experience and has recovered verdicts and settlements of hundreds of millions of dollars for our clients. We are confident we can help you too. We will evaluate your situation during a free consultation with us and explain how we can help. If you decide to hire one of our insurance claims lawyers, you will not pay your lawyer anything unless they recover compensation for you.
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Let an Insurance Claims Lawyer in Lafayette Get Started on Your Case Today
You should not have to deal with an unreasonable and unfair insurance company, and you may not have to if you hire a member of our legal team. Your lawyer will negotiate with your insurer or, if necessary, litigate your case while you focus on other matters.
Regardless of your situation, at Laborde Earles Injury Lawyers, we are confident our Lafayette insurance claims lawyers can be of service and help you recover your due damages. Contact us today for your free consultation.