The most common reasons for a flood damage claim to be denied are a lack of proper flood insurance coverage, failing to provide proper documentation of the damage, and waiting too long to file a claim.
If your flood damage claim was denied, but you’re certain you have an insurance policy that covers it, a Louisiana hurricane damage lawyer may be able to help you get the money you’re owed to repair your home and replace your damaged property.
Reasons Why a Flood Damage Claim Might Be Denied
There are a few different reasons your flood damage claim might have been denied. If none of the following seem to apply, or if you simply have questions, our lawyers at Laborde Earles will be happy to answer your queries, and they may be able to help you get the compensation you deserve.
Not Covered Under Your Insurance Policy
Did you know that most homeowners’ and renters’ insurance policies don’t cover flood damage? You typically need to purchase a separate flood insurance policy.
Not having adequate flood insurance coverage is one of the most common reasons insurers deny flood damage claims.
Insufficient Documentation
Another common reason for insurance companies to deny flood damage claims is a lack of proper documentation in the original application.
In your flood damage claim, you should include an inventory of damaged property, documentation of sustained damage, and pictures or videos of the damage.
Delay in Filing the Claim
Unless a state of emergency was declared for the weather event that caused the flooding, you typically only have 60 days to file a claim for flood damage. Your claim may have been denied because you waited too long to file it.
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 After Insurance Denies Your Claim for Flood Damage
If your flood damage claim was denied, all hope is not lost yet. Take the following steps or contact a Laborde Earles hurricane lawyer.
We’ve recovered over $1 billion in verdicts and settlements for our clients, so you can be sure we’ll do our best to get you the money you deserve for your flood damage.
Review Your Insurance Policy
First, you should check your insurance policy to see whether flood damage is actually covered. Most homeowners’ and ’renters’ insurance policies specifically exclude flood damage unless you buy a separate flood policy.
Document the Damage
If you haven’t already, you should take pictures or videos of the flood damage and make a list of all your property that was damaged or destroyed in the flood so you can provide that information to your insurance company.
File an Appeal
Do you think the insurance company should cover the damage based on your policy? You can send a formal appeal letter to the insurance company with relevant details from your policy that show why your claim should be approved, along with all your documentation of the damage.
An experienced hurricane attorney from Laborde Earles can help you with this.
Explore Government Assistance and Grants
In some cases, state or federal programs may offer loans or grants to homeowners affected by floods and other natural disasters. If your appeal does not reverse the insurance company’s decision, you may be eligible for some financial relief from these programs.
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 | ClientHow a Hurricane Damage Lawyer Can Help You
If you believe your flood damage claim was wrongfully denied and your insurance company acted in bad faith, a hurricane damage lawyer may be able to help you get the compensation you’re entitled to.
According to RS 22:1973, your insurer owes you:
- A duty of fair dealing
- A duty of good faith
- Fair claims adjustments
We can help if your insurance company acted in bad faith or didn’t offer you a fair claim adjustment, so contact us today to schedule a free consultation.
The reassurance from Digger and his staff gave me that renewed hope that it’s going to be okay down the road.
ClientHow Much Does a Louisiana Hurricane Damage Lawyer Cost?
At Laborde Earles, we know you may already be struggling with money, so we work on contingency fees. That means we take a percentage of the money we get for you rather than billing you anything upfront.
It also means that if we don’t get you any money, you don’t owe us anything, so schedule a free, no-obligation consultation today.
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.
ClientContact a Hurricane Damage Lawyer for a Free Consultation
If your flood damage claim was improperly denied, a hurricane damage lawyer from Laborde Earles may be able to help you get the compensation you deserve.
With the combined 350 years of experience from our Louisiana attorneys who care, we’ve recovered over $1 billion for our clients.
Schedule a free consultation today to discover whether we can help you get the money you’re owed for flood damage, whether it was caused by a hurricane or not. If we don’t get you the money you’re entitled to, you don’t owe us a single penny.
