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.

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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.

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What 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.

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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 damage 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

What 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 damage 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.

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We 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.

About 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.

Client Testimonials Hear from locals like you.

The team at Laborde Earls is extremely helpful and knowledgeable. While I would recommend any team member, I would strongly urge you to speak with Mrs...

The team at Laborde Earls is extremely helpful and knowledgeable. While I would recommend any team member, I would strongly urge you to speak with Mrs. Courtney. I spoke with her multiple times, and each time she was patient and answered every question I had. She made me feel like I was the only client. Grateful for her and Laborde Earls!

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Tracie M.

Working with Toni Stelly has been a great experience. She is compassionate and listens to me when I have a concern or need some information. Toni is q...

Working with Toni Stelly has been a great experience. She is compassionate and listens to me when I have a concern or need some information. Toni is quick to respond to my questions and gets things done!! Good experience working with this firm.

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kelly

Lake Charles

Working with Laborde Earles Injury Lawyers was an incredible experience from beginning to end. Jeanne and Kaitlyn were absolutely amazing - profession...

Working with Laborde Earles Injury Lawyers was an incredible experience from beginning to end. Jeanne and Kaitlyn were absolutely amazing - professional and always on top of everything. They kept me informed throughout the entire process and made sure I understood every step along the way. My case was resolved better than expected. I can’t thank them enough.

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Melody Johnson

New Orleans

Each time I interact with a member of the Laborde Earls team I am always extremely satisfied with the service provided. I had the pleasure of speaking...

Each time I interact with a member of the Laborde Earls team I am always extremely satisfied with the service provided. I had the pleasure of speaking with Mrs. Marsh today. She was extremely knowledgeable in addition to being patient and empathetic. She was able to provide me with the necessary resources and provided me with encouragement throughout the process. I definitely recommend Laborde Earls! Ask for Courtney!

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Megan Couvillon

Alexandria

I highly recommend Alexis Davis and this lawfirm. She is the true definition of professionalism, respect, understanding, patient, and many other thing...

I highly recommend Alexis Davis and this lawfirm. She is the true definition of professionalism, respect, understanding, patient, and many other things. Her detailed skills are very delightful. She goes out of her way to check on us, make sure we don't have any questions, and she is always on point. She moves very quick and always goes above and beyond for us to make sure we understand the process. I am so glad I ran into Laborde Earles and Alexis. Everyone will know about this company for sure and Alexis

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R.S.

Lafayette

I highly recommend hiring Laborde Earles for your personal injury needs. They have the most professional, friendly and communicative staff who are gua...

I highly recommend hiring Laborde Earles for your personal injury needs. They have the most professional, friendly and communicative staff who are guaranteed to work hard on your case and get the outcome you deserve. Brittani C. is one of the most organized, thorough and helpful paralegals I’ve ever had the pleasure of working with. She keeps you informed and answers all your questions throughout the litigation process.

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Patrick Conner

Baton Rouge

I had the pleasure of working with Erica Ducote, and I cannot say enough about the excellent job she did on my case. From the very beginning, Erica wa...

I had the pleasure of working with Erica Ducote, and I cannot say enough about the excellent job she did on my case. From the very beginning, Erica was professional, knowledgeable, and attentive to every detail. She took the time to explain each step of the process, answered all of my questions thoroughly, and made sure I always felt supported and informed.
Her dedication and attention to detail were clear throughout, and it was evident she genuinely cared about achieving the best possible outcome. Thanks to Erica’s hard work and expertise, my case went smoothly and successfully.
I highly recommend Erica Ducote to anyone in need of a skilled, reliable, and compassionate paralegal. She truly goes above and beyond!

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maddie jo

Marksville

I was very pleased with the attention and detail that was given by Karely with Laborde Earle’s Injury lawyers. She answered all of my questions ...

I was very pleased with the attention and detail that was given by Karely with Laborde Earle’s Injury lawyers. She answered all of my questions and concerns, and her professionalism was top notch. Her phone etiquette, and calm and caring attitude was outstanding.

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Gail

Baton Rouge

I’m so grateful for the help I received from Renee McCaslin. From start to finish, they were kind, professional, and truly cared about my situat...

I’m so grateful for the help I received from Renee McCaslin. From start to finish, they were kind, professional, and truly cared about my situation. They made everything easy to understand and handled every detail with care. I felt supported the whole way through. I highly recommend Renee McCaslin to anyone looking for a paralegal who goes above and beyond.

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Rosann Roberts

Lake Charles

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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 member s at Laborde Earles Injury Lawyers. We can offer you a free consultation.

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