Facing the impact of a hurricane can be overwhelming. Filing an insurance claim might help you rebuild, but it can be tricky. Here are some tips for filing an insurance claim after a hurricane in Louisiana:
- Consult with a Louisiana hurricane damage lawyer
- Know what your policy covers
- Keep detailed records of all damages
- Be cautious, as insurance companies aim to protect their interests
- Never settle for less than you deserve
If your insurance adjuster is not offering a fair settlement, hiring a Louisiana hurricane damage lawyer can make a significant difference in securing the funds you need to recover. We will describe the tips in detail below.
Do Not File an Insurance Claim Without Your Attorney
Insurance adjusters often aim to minimize payouts. Speaking with a lawyer before filing your hurricane damage claim makes sure your case is taken seriously from the start.
A Louisiana insurance claims lawyer can handle your claim while you focus on your family and responsibilities. They will:
- Assess your losses
- Review your insurance policy
- Handle communication for you
- Protect you from unfair tactics
- Keep your claim on track
Having an attorney by your side can make the process smoother and more manageable. This support allows you to focus on what truly matters while making sure your claim is in capable hands.
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.
ClientReview Your Hurricane Insurance Coverage
When filing a hurricane damage insurance claim, it’s important to review all your insurance policies thoroughly. This may include sewer backup, flood, windstorm, and homeowners insurance. By carefully examining these policies, you can determine which losses are covered.
You might be eligible to receive compensation for:
- Damage to your home or property
- Costs for alternative lodging
- Food and transportation expenses
- Repairing or replacing personal items
These are common types of damages that your hurricane insurance might cover. Depending on your coverage details, you could also be entitled to additional compensation.
Our attorneys can help you understand your entitlements and support you throughout the claims process.
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 | ClientKeep Your Best Interests in Mind with Insurance Companies
While insurance adjusters may appear polite and concerned, their primary goal is to protect the company’s interests.
Be cautious with what you share, as conversations are often recorded and could be used to your disadvantage. Adjusters might attempt to alter your statements or offer you less than what you’re entitled to.
It’s best to let your attorney handle all communications with the insurance company to best protect yourself.
The reassurance from Digger and his staff gave me that renewed hope that it’s going to be okay down the road.
ClientMaintain Detailed Records of Your Damages
It’s important to keep thorough documentation of your damages, as insurance companies may try to undervalue your claim. Once it’s safe, start documenting all damages by taking photos and videos of your home, personal items, and property.
Save copies of medical records, receipts for additional accommodations if displaced, transportation costs, and any other related expenses. This detailed documentation will help make sure you receive fair compensation from the insurance company.
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.
ClientDon’t Accept Less Than You Deserve
Insurance adjusters might offer low settlements, especially if they know you are financially strained. They count on you accepting a quick payout for a portion of your damages to find temporary relief.
However, these fast offers often fall short of what your claim is truly worth. Our attorneys are well versed in these tactics and will guide you to avoid accepting settlements that don’t fully cover your damages when filing a claim after a storm.
Understanding Hurricane Deductibles
Hurricane deductibles are a key part of insurance policies in coastal states from Maine to Texas. Unlike the standard $500 or $1,000 deductible found in typical homeowners policies, hurricane deductibles are often a percentage of your property’s insured value, usually between 1% and 5% of the total coverage.
These deductibles are clearly outlined on your policy’s declarations page, specifying both the percentage and often the exact dollar amount. They apply to damage from named storms that have made landfall, as determined by the National Weather Service.
It’s important to know that each insurer and state may handle these deductibles differently. Homeowners should carefully review their policies to understand how their hurricane deductible works.
Stay Informed with Text Alerts
Sign up for text alerts to receive updates on your insurance claim. The insurance company can notify you through SMS about important milestones, such as when your claim is first reported, when an estimate is determined, and when you will receive your payment.
This convenient service keeps you informed every step of the way, keeping you always aware of the latest developments regarding your claim.
Duration of the Hurricane Insurance Claim Process
The hurricane insurance claim process can vary, especially when insurance companies are overwhelmed with numerous claims following extensive damage. Hurricanes often cause widespread destruction, including flooding and tornadoes, even in areas not directly hit.
To speed up the process, contact your lawyer before filing a claim. They can manage all communications with the insurance company, helping to get your claim noticed sooner. Taking swift action can significantly impact your recovery and help you get back on your feet faster.
Partner with Laborde Earles for Your Hurricane Claim
Having a lawyer by your side can make all the difference when filing an insurance claim after a hurricane. The team at Laborde Earles has a proven track record, having won over $1 billion for their clients. Their experience and commitment can help you get the support you need during this difficult time.
For the best tips for filing an insurance claim after a hurricane, partnering with a knowledgeable law firm like Laborde Earles is essential. They will handle all the details, making sure your claim is processed as smoothly and quickly as possible.
Don’t face the recovery process alone. Reach out to Laborde Earles for professional assistance. Let them help you secure the recovery you deserve and put your life back together after a hurricane.
