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When to File an Insurance Claim

You have insurance coverage that financially protects your home and other property. If a natural disaster strikes or an accident happens, you may have grounds for filing an insurance claim. When in doubt about your options, consult with a Lafayette insurance claims attorney.

Initially, your lawyer will evaluate your insurance policy. They can explain what your policy covers. In addition, your attorney can offer tips for filing an insurance claim after a hurricane or similar incident. The lawyers at Laborde Earles take our clients’ requests seriously. If you have questions about whether comparative fault applies to insurance claims or want to request compensation based on your policy, we can help. Contact us to get started.

Steps of the Lafayette Insurance Claims Process

You may file your insurance claim over the phone, online, or in person with your insurer. Before you do, meet with an insurance claims lawyer in Lafayette, LA. Your attorney can walk you through each of these steps of the claims process.

1

Contact Your Insurance Company

Give your insurance company information about your losses. Your insurer could request a list of items that were damaged or destroyed, photos and videos highlighting your losses, and other proof. The company may ask you questions, and your lawyer can help you provide any requested information without hurting your chances of securing compensation.

2

Conduct an Investigation

Cooperate with the insurance adjuster assigned to your claim as they investigate your losses. An insurance claims attorney in Lafayette, LA, will keep in touch with this adjuster. They will communicate with them on your behalf and provide you with claim status updates.

3

Settle Your Claim

Resolve your claim and get the compensation you need to cover your losses. Ideally, your insurer approves your claim and offers adequate compensation. If not, your lawyer can negotiate a settlement if your insurer offers less than what you want or file an appeal if your claim is denied.

If you are unsure about what an insurance claim is or how to request compensation through your policy, ask a lawyer for help. Your attorney puts your best interests front and center. They will file your claim promptly and search for ways to prove to your insurer that you should receive compensation for your losses.

Client Testimonials Hear from locals like you.

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

I had an amazing experience working with my paralegal, Wesley Guillory, at Laborde Earles Law Firm. Wesley went above and beyond for me throughout the...

I had an amazing experience working with my paralegal, Wesley Guillory, at Laborde Earles Law Firm. Wesley went above and beyond for me throughout the entire process. He was always patient, knowledgeable, and quick to respond to any questions I had. What stood out most was how genuinely he cared. He made sure I understood every step and always made me feel supported and informed.

Wesley’s professionalism and compassion truly set him apart. He made a stressful situation so much easier, and I’m incredibly grateful for all of his hard work. I highly recommend Wesley and the entire Laborde Earles team. They really do put their clients first.

J
Jaine Fisher

Lafayette

They have good to keep me updated on the case but so far the settlement has not been reached.

L
Lisa S.

Michelle Brouillette is always so pleasant whenever I call or stop by the office. She always has a smile on her face.

C
Christine G.

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

Elizabeth Lachney I absolutely hands down the best. She is very professional, knowledgeable and most importantly she is very respectful. She is one re...

Elizabeth Lachney I absolutely hands down the best. She is very professional, knowledgeable and most importantly she is very respectful. She is one reason why we use Laborde Earles Law Firm. They make you feel like family!

T
Tiffany Bardwell

New Iberia

Renee McCaslin is incredibly knowledgeable, professional, and always goes above and beyond to make the legal process smooth and stress-free. I truly a...

Renee McCaslin is incredibly knowledgeable, professional, and always goes above and beyond to make the legal process smooth and stress-free. I truly appreciate her attention to detail and genuine care for her clients!

C
Courtnie Heltz

New Orleans

Michelle Brouillette is a wonderful addition to the Laborde Earles team.

M
Melanie B.

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!

m
maddie jo

Marksville

Over 1,700 5-Star Reviews

Read More Testimonials

How to Avoid an Insurance Claim Denial

You have a valid homeowners insurance policy or other coverage and expect your insurer to provide compensation for your losses in accordance with this protection. Unfortunately, your insurance company could put its bottom line above your best interests and deny your claim. Here are tips to help you avoid this scenario.

Review Your Policy with Your Lawyer

Find out what your policy covers. Your attorney can provide insights into any policy exclusions. They can share copies of your policy with your insurer, which could boost your chances of having your claim approved.

Be Clear, Direct, and Proactive in Your Communications with Your Insurer

Provide your insurance company with accurate information about your losses. Offer plenty of proof to illustrate your losses and the financial ramifications associated with them. If your insurance company asks for additional information, have your lawyer follow up with the business immediately.

Track Your Communications with Your Insurer

Document the dates and times you submit claim paperwork and other communications relating to your claim. Along with these, keep track of receipts and invoices of any temporary repairs you complete or other costs you incur for your losses. That way, you can add to your body of proof and strengthen your claim.

Generally, insurance companies have 30 days from the date of receipt of your claim to let you know if it has been approved. If your claim is denied, you still have options. Your lawyer can appeal to the Louisiana Department of Insurance, which could lead to a reversal of the original decision against you.

Our Lafayette Insurance Claims Lawyers Focus on Getting the Best Possible Outcomes

An insurance claim should be simple, but challenges can arise. Rather than face insurance claims process issues on your own, partner with a lawyer. With your attorney’s guidance, you can address problems before they delay the claims process or result in a denial.

Laborde Earles has an outstanding track record in cases involving insurance companies. Our lawyers will advocate for you and commit the time and resources required to help you get compensation through an insurance claim. Schedule a consultation with us.

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