You submit an insurance claim and are confident your insurer will approve it right away. Regardless, your insurance provider denies your claim, and you have concerns about why this has happened. At this time, work with a Lafayette insurance claims lawyer, and they can pursue your legal options to the fullest extent of the law.
With more than 350 years of combined legal experience on staff, Laborde Earles can help you deal with the aftermath of a denied insurance claim.
Or, if you are beginning the claims process after you suffer property damage or other losses, we are here to assist you in any way we can. Request a consultation with our personal injury lawyers in Lafayette.
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.
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.
ClientSteps 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.
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.
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.
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.
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 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.
The reassurance from Digger and his staff gave me that renewed hope that it’s going to be okay down the road.
ClientOur 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.
