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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.

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

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Melanie B.

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.

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Stephan C.

I highly recommend Derek Hebert to anyone in need of a skilled and trustworthy attorney. From the very beginning, Derek was professional, honest, and ...

I highly recommend Derek Hebert to anyone in need of a skilled and trustworthy attorney. From the very beginning, Derek was professional, honest, and incredibly responsive. He took the time to explain every step of the process in clear terms and always made sure I felt informed and supported.

His attention to detail, strong communication, and genuine dedication made a stressful situation much easier to navigate. Derek went above and beyond to achieve the best possible outcome, and I’m truly grateful for his hard work.

If you’re looking for an attorney who is knowledgeable, reliable, and truly cares about his clients, Derek Hebert is an outstanding choice.

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Brylan Cormier

Lafayette

Toni is the absolute BEST!!!! Not only is she the best paralegal but she’s also the best person I know. She is so intelligent, knowledgeable, ca...

Toni is the absolute BEST!!!! Not only is she the best paralegal but she’s also the best person I know. She is so intelligent, knowledgeable, caring, and goes above and beyond for everyone in her life. She is a true gem! To know her is to love her!! Anybody would be lucky to have someone like Toni in their corner.

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Sarah Jorden

Marksville

Jourdan is an outstanding paralegal! She is knowledgeable, organized, and truly cares about the clients she works with. Every interaction I’ve h...

Jourdan is an outstanding paralegal! She is knowledgeable, organized, and truly cares about the clients she works with. Every interaction I’ve had with her has been positive — she takes the time to explain things clearly and makes the process much less stressful. Laborde Earles Law Firm is lucky to have someone like Jourdan on their team. I would highly recommend both Jourdan and the firm to anyone looking for trustworthy and reliable legal support.

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Matt Picard

New Orleans

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

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

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.

Elizabeth Lachney was super helpful in explaining a lot of things i didnt understand about my case. Very respectful and seemed so welling to help me! ...

Elizabeth Lachney was super helpful in explaining a lot of things i didnt understand about my case. Very respectful and seemed so welling to help me! She is the best, I 1000% recommend her if you have any questions!

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skylar bachman

New Iberia

Over 1,700 5-Star Reviews

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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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