Standing With You After a Storm

Louisiana storms can arrive without warning and leave behind significant damage. When you file a claim, you expect your insurance company to respond quickly and fairly. Yet many Louisiana homeowners and business owners discover the opposite. Claims are questioned. Payments are delayed. Coverage is disputed. These challenges add stress at a time when you should be focused on safety and recovery.

Laborde Earles Injury Lawyers represents policyholders across Louisiana to ensure insurance companies honor the coverage their customers pay for. With offices throughout the state, we help families in Lafayette, Alexandria, Marksville, New Iberia, Lake Charles, New Orleans, and Baton Rouge navigate storm-related insurance claims and fight for the financial support needed to rebuild.

Types of Storm Damage Claims in Louisiana

Different weather events can cause different kinds of damage, and each type of claim requires careful documentation. We evaluate your policy, assess your losses, and guide you through each filing requirement to protect your rights.

1

Hurricanes

Hurricanes often cause wind damage, rain intrusion, and significant structural issues. If your home or business was hit by a hurricane, we help you file a wind and storm claim, negotiate with your insurer, and ensure your losses are fully documented.

2

Hail

Hail can damage roofs, vehicles, siding, and exterior structures. Most policies cover hail, but limits and exclusions vary widely. We review your policy and explain how your coverage applies to each type of damage.

3

Tornadoes

Tornadoes can destroy entire sections of a home, tear off roofing, or damage attached buildings. Your homeowners' insurance may cover the repairs, but deductibles and policy limits may complicate your claim. We walk you through what is covered and fight for a fair payout.

4

Wind

Windstorms often cause widespread destruction, from missing shingles to downed trees and broken windows. Even when wind coverage exists, insurers may dispute the source of the damage. We help you establish the cause and protect your right to compensation.

5

Flood

Flooding requires separate coverage under NFIP or a private flood policy. If you have flood insurance and your insurer disputes your claim, we help challenge their decision and pursue the benefits your policy provides.

6

Lightning

Lightning can cause fires, electrical surges, and serious property loss. Many homeowners' policies cover lightning-related damage. We help confirm your coverage and pursue full reimbursement for your losses.

Louisiana law sets strict timelines for insurers to issue payment after residential or commercial storm damage. If your insurer is delaying your claim, we act quickly to hold them accountable.

Talk to a Louisiana Local Attorney Today

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Understanding Bad Faith Storm Damage Claims

Insurance companies in Louisiana are legally required to act in good faith. When they fail to communicate, misrepresent your policy, delay payment, or wrongfully deny coverage, they may be violating Louisiana Revised Statutes 22:1973. Examples of possible bad faith behavior include:

  • Denying a valid claim without a clear reason
  • Undervaluing documented losses
  • Delaying inspections or communication
  • Misrepresenting what your policy covers
  • Failing to request additional information

If you believe your insurer is acting unfairly, our team gathers evidence, reviews your policy, and determines whether a bad faith claim is appropriate. Strong documentation, including photos, videos, and repair estimates, helps support your case.

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!

T
Tracie Martin

Alexandria

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.

k
kelly

Lake Charles

Stephanie Brooks was wonderful to work with! She was very professional during our interaction and extremely pleasant throughout the entire process. He...

Stephanie Brooks was wonderful to work with! She was very professional during our interaction and extremely pleasant throughout the entire process. Her kindness and clear communication made everything smooth and easy. Highly recommend working with her and the Laborde Earles Law Firm!

J
Jenifer Leger Dendy

Lafayette

Courtney Marsh has a positive attitude and great attention to detail in her work!

R
Rhonda C.

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!

T
Tracie M.

I just want to say that Kelby is a wonderful Attorney and will do what ever it takes to make sure you are taking care of. And his Team of Paralegal's,...

I just want to say that Kelby is a wonderful Attorney and will do what ever it takes to make sure you are taking care of. And his Team of Paralegal's, Amber, Toni, Debbie, Alana & Erica are absolutely amazing. You couldn't have ask for better. And to Rachael, she was so sweet the other day when I needed some information about when my advance was going to be ready. Thank you Laborde Earle's Law Firm for always being the Best.

L
Lauren O'Quinn

New Orleans

Toni at LE is seriously so dedicated and a hard worker! LE is lucky to have this chick. She's so sweet but a little spicy (in a good, funny way!) whic...

Toni at LE is seriously so dedicated and a hard worker! LE is lucky to have this chick. She's so sweet but a little spicy (in a good, funny way!) which is always a breath of fresh air to be around someone who is genuine. She's a doll and anyone who comes into contact with her is a lucky one!

H
Hannah Johnson

Baton Rouge

Over the past 3 years I have encountered one of the best Law Firms in Laborde Earles Injury Lawyers which have been handling my Lejeune Contaminated T...

Over the past 3 years I have encountered one of the best Law Firms in Laborde Earles Injury Lawyers which have been handling my Lejeune Contaminated Toxic Water Claim. Mr. John Chaillot has been instrumental in advising me on documentation, timelines, and all matters pertaining to my case. A true professional and appreciated. Thank you.

S
Stephan C.

Renee McCaslin goes above and beyond to help the clients. Her attention to detail is unmatched! Her kind heart and sweet spirit both go a long way in ...

Renee McCaslin goes above and beyond to help the clients. Her attention to detail is unmatched! Her kind heart and sweet spirit both go a long way in making you feel heard and cared for. And, she’s, like, really pretty!

S
Sylvia Roy

New Iberia

Over 1,700 5-Star Reviews

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What To Do After Storm Damage in Louisiana

The steps you take right after a storm can significantly affect your insurance claim. Focus on safety first, then begin documenting your losses. After a storm, you should:

  • Take photos and videos of all visible damage
  • Save damaged items for inspection
  • Make temporary repairs to prevent further loss
  • Keep receipts for any purchases related to repairs or temporary housing
  • Avoid starting permanent repairs until an adjuster inspects the damage
  • Record all conversations with your insurer or adjuster
  • Consult Laborde Earles before signing documents or accepting a settlement

An experienced storm damage lawyer can complete claim forms, organize your evidence, and help you avoid mistakes that may limit your recovery.

Why You Should Contact a Louisiana Storm Damage Lawyer

Storm damage often leaves families and businesses feeling overwhelmed. Insurers may take advantage of that stress by offering low settlements or questioning the cause of damage. You should not have to face that pressure on your own.

Our team can help by:

  • Reviewing your policy in detail
  • Documenting storm-related losses
  • Preparing and filing your insurance claim
  • Communicating directly with adjusters
  • Challenging delays and undervalued estimates
  • Filing a bad faith claim if the insurer violates Louisiana law
  • Taking your case to court if necessary

Our firm has recovered over one billion dollars for our clients statewide. We bring the full strength of our legal team to every storm claim we handle.

Louisiana Storm Damage Claims Clear Answers to Important Questions

How long do insurance companies have to pay a storm claim?

Generally, insurers have 60 days for residential claims and 90 days for commercial claims once all required documentation is submitted.

What if I already started cleanup?

You can still file a claim. Save receipts, photos, and any remaining evidence of the damage.

Can a storm cause both wind and flood damage?

Yes. These are separate claims, with wind typically covered by homeowners' insurance and flood requiring a separate policy.

Should I speak directly to the insurance adjuster?

You can, but many clients prefer to have an attorney manage communication to avoid misunderstandings.

What if my claim was denied?

A denial can be appealed. We review the decision, gather more evidence, and submit a formal request for reconsideration.

Do you have more questions?

Our team is here to answer every question about your case—clearly and honestly.

Talk With a Louisiana Storm Damage Lawyer

Storm damage can turn your life upside down, but you do not have to navigate the insurance process alone. Laborde Earles Injury Lawyers is committed to helping Louisiana families and businesses recover from severe weather events and claim the coverage they are entitled to.

Contact our Louisiana storm damage team today for a free consultation and let us help you move forward.

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