Living in the New Orleans area means facing high water levels occasionally. If your property is damaged by a flood and your insurance company is being difficult with your claim, reaching out to Laborde Earles can make a difference.
Laborde Earles stands ready to assist you in holding your insurance provider accountable. With our knowledge as Louisiana insurance claims lawyers, we are well-equipped to handle your situation and fight for what you are entitled to.
Don’t let insurance troubles overwhelm you. Contact Laborde Earles today and let our team of professionals help you secure the recovery you need. As Louisiana flood damage claim lawyers, we have successfully won $1 billion for our clients, demonstrating our commitment to your case.
Common Causes of Louisiana Flood Damage
Flood damage can be both devastating and expensive, often leaving property beyond repair. Our attorneys understand this challenge and are here to help.
Causes of flood damage include:
- Heavy rains, storms, or hurricanes
- Broken pipes
- Overflowing rivers
- Coastal flooding
- Leaking roofs
- Obstructed waterways
- Neighbor or other property owner’s negligence
- Overwhelmed drainage systems
Restoring your home and belongings after flood damage is a significant undertaking. If your insurance company is not providing the resources you need, we can step in to hold them accountable.
With our support, you can focus on rebuilding and recovery, knowing that our team is working hard for you. Contact a flood damage claim attorney in Louisiana today to discuss your claim and let our professionals support your journey to recovery.
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.
ClientUnderstanding Hurricane Damage in Louisiana
Our knowledgeable hurricane damage lawyers in Louisiana understand how devastating it can be when your home and possessions are impacted by flooding. Flood damage can be immediate and obvious or hidden and slowly reveal itself over time.
Knowing the potential financial impact of such damage can help you be better prepared for any situation.
Common types of flood damage include:
- Flooring (carpet, hardwood, tile)
- Furniture
- Personal belongings (books, pictures, electronics)
- Walls and structural elements
- Rugs and textiles
- Mold growth and diminished air quality
- Damage to ductwork
No two flood damage claims are alike, and each client’s financial needs are unique. If your insurance company isn’t offering you the full amount you’re entitled to, reach out to our Louisiana hurricane damage lawyers for assistance.
Our attorneys work on a contingency basis, meaning you only pay if we secure a financial recovery for you. If we don’t win, you don’t owe us anything.
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 | ClientUnderstanding Flood Insurance
Homeowners insurance does not cover flood damage, so in Louisiana, you’ll need a separate flood insurance policy. These policies are regulated by the National Flood Insurance Program (NFIP), which offers affordable rates that remain consistent across different insurance companies.
NFIP works with agents in Louisiana to provide flood insurance, offering two main types of policies:
- Homeowners Flood Insurance: Covers the structure and belongings, up to $250,000 for the home and $100,000 for personal possessions.
- Commercial Property Insurance: Covers up to $500,000 for building damage and $500,000 for the building’s contents.
When purchasing flood insurance, you must buy separate policies for the structure and its contents, each with its own deductible.
Beyond NFIP policies, private flood insurance is also available in some areas. Private flood policies can offer benefits like covering temporary housing during home repairs.
Options include standalone private policies or excess insurance, which provides additional coverage beyond an NFIP policy.
The reassurance from Digger and his staff gave me that renewed hope that it’s going to be okay down the road.
ClientLouisiana Flood Damage Insurance Claims
Our experienced Louisiana flood damage claim lawyers are here to help individuals, groups, and businesses maximize their insurance recovery after flood damage.
We assist:
- Homeowners,
- Condominium owners,
- Business property owners, and
- Homeowners and condo associations.
Don’t let insurance companies use intimidating tactics against you. Whether you’re just starting your claim or have already faced a rejection, our lawyers are ready to help you get the most compensation possible.
They treated us like no other people would. Whenever we needed something they were there for us. I put my trust in them and I don’t regret it.
ClientWhat to Do if Your Flood Insurance Claim Is Denied
In Louisiana, it’s not uncommon for flood insurance claims to be denied by insurance companies aiming to cut costs. Here are some typical reasons for denial:
- Late application for flood insurance
- Delay in filing the claim
- Damage to parts of the house not covered by the policy
- Earth movement occurring along with the flood
- Pre-existing damage before the flood
If your flood insurance claim is denied, consider reaching out to a flood insurance lawyer. A knowledgeable attorney can investigate the denial, advise you on appealing to FEMA, or even file a lawsuit against the insurance company.
Remember, you have only two years from the denial to take legal action.
Distinguishing Water Damage from Flood Damage
Recognizing the difference between water damage and flood damage is vital when dealing with insurance claims for your New Orleans property.
Water Damage
Water damage typically results from internal issues such as broken pipes, overflowing toilets, or malfunctioning water heaters. Your standard homeowner’s insurance policy generally covers these scenarios.
Flood Damage
Flood damage, on the other hand, is caused by natural events like tropical storms and hurricanes. A typical homeowners insurance policy does not cover this type of damage. FEMA defines a flood as a temporary situation where normally dry land is inundated due to:
- Overflowing inland or tidal waters
- Rapid accumulation or runoff of surface waters from any source
- Mudslides
Flooding must originate from a natural water source and impact a larger area, unlike water damage from plumbing issues, which doesn’t qualify as flooding. To cover flood-related damage, a separate flood insurance policy is necessary.
Why You Need a Lawyer After a Flood in Louisiana
Dealing with the aftermath of a flood in Louisiana can be overwhelming, and having the right legal support is vital. As your trusted Louisiana flood damage claim lawyers, we are here to help you tackle the challenges of denied insurance claims and secure the financial support you need to rebuild.
At Laborde Earles, we have a proven track record of success, having won over $1 billion for our clients. Our experience and commitment to fighting for fair settlements provide you with the peace of mind that your case is in capable hands.
If you’re having trouble with your flood damage claim, contact Laborde Earles. Our dedicated team is ready to assist you in pursuing a favorable outcome.
