If your home was damaged or destroyed in a tropical storm, our firm can help you file your insurance claim. Like many homeowners, you may have both homeowners and flood insurance. While double protection can be beneficial, it can also create confusion when dealing with multiple insurance policies or agencies. With our Lafayette personal injury firm on your team, you do not have to seek compensation on your own.
Our Lafayette storm loss lawyer can help you get back to normal after a tropical storm by handling communication with your insurance company for you. After your family is safe, we’ll work with you to help you get the compensation you need so you can restore your property. We’ll take care of filing forms and making and responding to emails and phone calls, and we can even help you file an appeal.
Filing an Insurance Claim for Storm-Damaged Property in Lafayette Parish
Insurance Information Institute (III) guidelines recommend adding flood insurance to your homeowners insurance since most storms also lead to extensive flooding. Whether you are filing one or more insurance claims, filing a storm claim in LA can be complicated and laborious. It will involve:
- Obtaining, completing, and submitting required insurance forms
- Creating a detailed list of your home’s damage or destruction
- Creating a detailed list of your damaged or destroyed personal property
- Providing details on the costs of your alternative living expenses
Your insurer may also ask for photos, videos, and repair and replacement estimates. One of our Lafayette insurance claims lawyers can help you deal with all these requirements and file your paperwork in a timely fashion. Without our assistance, you may spend far too long on insurance forms and waiting for your payout.
When we represent you, we may be able to help speed up the process and ensure your insurance company adheres to their legal responsibility to compensate you within 30 days of reaching a settlement agreement, as RS 22:1973 requires. You should not have to endure an extensive wait time for your payment, and we’ll work hard to make sure you do not have to.
Review the Coverage Your Insurance Provides for Weather-Related Property Losses
As you prepare to file an insurance claim, you need to know which losses your policy covers. While your policy may vary from the policy of the homeowner next door, most homeowner’s policies will cover the following:
- The structure itself and the costs of rebuilding or repairing your home
- Loss of your personal belongings, including any furnishings, clothing, and other possessions
- The cost of repairing or replacing damaged or ruined landscaping
- Additional living expenses if your property is not safe for your return
The specific coverage of your policy will be spelled out in writing. One of the first things our legal team will request from you is a complete copy of your insurance documents. We will read and review your policy, including all its fine print, and use the coverage it outlines to help you get the compensation you are entitled to.
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.
ClientWhat to Do If Your Initial Storm Loss Claim Was Denied
Even if your storm-damaged property claim is denied, we can help you keep fighting for compensation. We can fight all the way to court if we must. Whether your storm damage claim was valued too low or denied altogether, we will:
- Review your initial application
- Review your insurer’s response
- Rebuild and resubmit your claim (or appeal the decision)
We’ll help you deal with the appeals process from start to finish and ensure the insurance adjuster values your case fairly and correctly. In addition, our Lafayette storm damage lawyers will ensure your insurance company does not engage in bad-faith practices or mishandle your case in any way.
Why Your Initial Storm Loss Claim Was Denied
In your denial notice, your insurer should have noted why your claim got denied. The reason may be legitimate or illegitimate. Regardless, your Lafayette storm loss lawyer can explain the reasoning in greater detail and either help you gather additional information for a resubmission or help you prepare an appeal of your insurer’s decision.
We can help regardless of whether:
- The insurer says there isn’t enough evidence of your damages
- The insurer claims your damages aren’t covered by your policy
- The insurer tells you your insurance premiums weren’t paid on time
- You made a mistake, such as misinterpreting your policy
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 | ClientWhat to Do if You Received a Low Storm Loss Settlement Offer
You may have received a low settlement offer because there isn’t sufficient evidence of your damages, because you didn’t list all your damages, or because of another reason. No matter the reason, you should talk to a Lafayette storm loss lawyer from our firm.
The lawyer can help a lot, such as by identifying, listing, and valuating all your damages and then resubmitting your claim.
The reassurance from Digger and his staff gave me that renewed hope that it’s going to be okay down the road.
ClientWe Will Fight to Get a Settlement for Your Storm Damage Insurance Claim
Our storm loss attorney and client support team are ready to help. Insurance coverage is a contract, and when we represent you, we’ll make sure the insurer lives up to their part of your agreement. Our legal team will:
- Examine your policy, including its fine print, and explain your policy to you, including its limitations and maximums
- Help you list and valuate your damages
- Gather evidence for your claim
- Negotiate your settlement for you
- Prove the degree of your damage
- Prove the value of your damages
- Ensure your application is complete
- Check your application for accuracy
- Monitor the progress of your claim
- Provide you with ongoing updates
- Appeal a claim denial or low settlement offer for you, if necessary
- Take your insurer to court, if necessary
Your insurance policy will give us the details of your coverage, including the forms of evidence your insurer requires. It will also provide us with leverage to ensure you are not denied coverage without a valid reason, given an unreasonably low estimate, or otherwise treated unfairly or outside the parameters of your contract.
We’ll Fight for You During Negotiations
If you’re treated unfairly or unreasonably for any reason, your lawyer can defend you and go on the offense. For instance, your lawyer may threaten to sue. This threat may be enough to convince your insurer to cooperate.
We’ll Fight in Court
Some insurance companies can be stubborn, refusing to cooperate with an attorney. If your insurer refuses to cooperate, your Lafayette storm damage attorney won’t tolerate it. Your attorney will sue and take your case to court. There, your attorney will fight for a favorable verdict from a judge.
We Help Our Clients Recover
When you retain our law firm, you won’t be alone in your fight to recover monetary damages from your insurance company. We represent our clients with integrity and tenacity, as our previous clients affirm when they say:
- “Digger helped me a lot. If it weren’t for him, I wouldn’t be in the position I am right now. I would have nothing. He took care of everything for me. Digger got me back on my feet.” – Carl
- “I made an appointment with David, and it was a real good experience. He worked with me all the way and was like a good friend in a time of need. I don’t think anybody could have done a better job than he did.” – Keith
- “David was a phenomenal individual. I felt secure; I felt that he was protecting me and my family, and he was going to get us what we deserved. He was a great lawyer and went above and beyond.” – Kelsie
Your storm loss case is a priority to our team, so we’ll fight hard to get your insurance company to do right by you. Our goal is to help you get your financial recovery in progress right away.
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.
ClientAbout Our Storm Loss Attorneys in Lafayette
With over a hundred years of combined professional experience, our attorneys have been able to recover hundreds of millions of dollars for their clients. Many of our clients are like you. They were also suffering losses due to hurricanes, floods, and other natural disasters and struggling to recover compensation. We were able to recover compensation for them and help them rebuild their lives.
Our goal is to help people recover and rebuild. Unfortunately, in Louisiana, many people have needed our help in recent years. However, we’ve been able to help them successfully, such as by filing a claim for hurricane or storm damages.
Your situation may be difficult right now, but you can rely on us to fight for you. Since your financial situation may be especially difficult, we can offer our services on a contingency basis, meaning you won’t pay us anything unless your lawyer is successful with your case. You won’t pay anything for your consultation with us, either.
Contact Us Today to Get Immediate Help with Your Damages
You do not have to endure the insurance recovery process on your own. Our storm loss attorneys represent clients in Lafayette who need assistance dealing with their insurance company. Find out how we can help you by contacting one of our team members at Laborde Earles Injury Lawyers. We can offer you a free consultation.
