If you have suffered property damage or total loss due to Hurricane Ida, your homeowners or flood insurance policy — or both — should provide you with monetary compensation. We can help negotiate with your insurance company or file an appeal if your initial claim was denied or if the settlement offer you received was insufficient to meet your restoration or rebuilding costs.
At Laborde Earles Injury Lawyers, our Louisiana insurance claims lawyer has helped home and business owners just like you recover the damages they are entitled to. When you are ready to seek coverage from your insurance company, our hurricane relief team will help you complete and file your claim, communicate effectively with your insurer, and build a case file that leads to financial recovery.
Bring Us a Copy of Your Insurance Policy
When you protect your home with insurance, you receive a plethora of documents about your policy. When we represent you, our team goes over these documents, declarations, and disclosures with a fine-toothed comb. We read all documents and fine print to understand the coverage you are entitled to. Our team will ask you for copies of:
- Your complete policy
- Any policy add-ons
- Notice of deductibles
- Any letters of denial
- Any post-hurricane correspondence
Let a member of our team know right away if you need help compiling these documents and if you have coverage through more than one policy. Our goal is to make sure you get the best possible payout from every valid policy so you and your family can start rebuilding your property and your lives. Our team will also make sure you create carefully detailed lists of the damage your property sustained.
Track Every Loss Your Policy Entitles You to Recover
According to NASA’s Earth Observatory statistics, Hurricane Ida’s wind speeds reached as high as 150 miles per hour. The storm’s wind and rain damage could mean your property suffered serious damage. When you pursue your insurance company to recover from a hurricane, we help you carefully catalog your financial expenses and losses. Your recoverable damages may include damage to, or loss of, your home’s:
- Interior structure
- Exterior structure
- Personal property
Your damages might also include total destruction from which your home cannot recover as well as flood and rain damage. If your policy includes it, we also help you recoup temporary housing costs for you and your family.
Leave the Insurance Recovery Process to Us
If your home was damaged and your insurance company is not immediately forthcoming, our hurricane insurance claims lawyer at Laborde Earles Injury Lawyers in Louisiana will manage every aspect of your insurance recovery process. On your behalf, our team members will:
- Obtain, complete, and submit claim forms
- Double-check your application for accuracy
- Document your real and personal property damages
- Explain your policy’s limitations and maximums
- Track and report on the progress of your claim
We handle damage-related communication and details for you, so you can focus on your family. If your insurance company will not settle your case favorably, or if they act in bad faith, according to RS 22:1973, we will assist you in taking them to court. For acts of bad faith, your insurer might be found liable for additional damages.
Get Insurance Coverage After a Denied Claim
Getting a letter of denial from your insurance company can be devastating. Getting a lowball offer for your property damage can be equally devastating and can lead to questions and confusion. If either of these scenarios happened to you, you are not alone, and do not have to fight back alone. Our hurricane damage team will help you understand what to do next.
Our case review team will help you decipher a letter of denial or a letter offering insufficient financial recovery. We will also help you identify errors in the way your case was handled, prove an adjuster did not accurately value your case, and prove the actual damages your policy entitles you to. When we manage your appeal, we will:
- Review your initial application
- Scrutinize your insurer’s resolution
- Resubmit your application with additional evidence
- Explain the appeals process and timeline
The appeals process can be complex, and the insurance company may work hard to stick to their original resolution of your case. When our team handles your appeal, we make sure your insurer does not engage in bad faith insurance practices, refuse to cooperate, or otherwise mismanage your claim without holding them accountable.
We Never Stop Fighting for Your Financial Recovery
You do not have to fight for the protection of your insurance policy without legal support and guidance. When a natural disaster strikes, our team is ready to guide you through the complex recovery process. Clients we have helped in the past say:
- “Scott Higgins and especially his paralegal, Kathy, have kept in touch with me throughout my ordeal…I highly recommend Mr. Higgins. He has his game plan all planned out when he handles your case!! He’s very laidback but gets the job done!!” — Sherry Darcey
- “The staff at Laborde & Earles is top-notch. To the attorneys that handled my case (Kelby & Scott) [and] all the paralegals and other staff that assisted me with my case, all were awesome. Would highly recommend!!” — Kyle
- “Courteous and punctual, always polite and professional, always returns calls and takes time to answer any and all questions. The whole staff including the receptionists are this way!” — Todd Uren
Just like we did for these clients, our team helps you build a compelling case file that leads to the compensation you deserve. We are always available to assist you and to ensure you get fair restitution from your insurance provider.
Review Your Case with One of Our Team Members at No Cost
Was your home or business property in Louisiana damaged by Hurricane Ida? Our insurance claims lawyer at Laborde Earles Injury Lawyers is always on your side. Contact one of our team members by calling (337) 777-7777 to see how hard we fight for the coverage you deserve.