Sadly, you suffer property damage in a storm. You expect your insurance company to cover your losses, but the business may be more focused on its bottom line than helping you out. Let a Louisiana storm damage lawyer assist you during this difficult time, and they will represent your best interests at each stage of the insurance claims process.
An award-winning Louisiana law firm, Laborde Earles, has secured over $1 billion in damages for our clients. Have an insurance claim lawyer in Louisiana from our team represent you. Contact us to get started.
Types of Louisiana Storm Damage Claims
A Louisiana storm damage attorney considers the facts of your case carefully. They will teach you about the different types of storm damage insurance claims and help you submit any required documentation to your insurer. Here are some of the damage claims your insurance provider may cover.
Hurricane
After a hurricane, document the damage you have suffered. Ask a Louisiana hurricane damage lawyer to help you. Your attorney can file your hurricane damage insurance claim and negotiate with your insurer on your behalf.
Hail
Most homeowners insurance policies include coverage for hail damage. However, your coverage could be limited. Meet with a storm damage lawyer in Louisiana, and they can evaluate your policy and explain your coverage limits in depth.
Tornado
If damaged in a tornado, your home and any attached structures and personal property could be covered by your homeowner’s insurance. There are times when policyholders have to cover a deductible before their insurer will pay for tornado damage repairs. In addition, policy limits can vary based on the different types of tornado damage you incur.
Wind
When in doubt about whether your homeowner’s insurance covers wind damage, consult with a storm damage attorney in Louisiana. If you have dwelling coverage and personal property coverage, you may be protected financially. Regardless, an insurer can dispute your claim, and your lawyer can help you prove you deserve to be compensated for your losses.
Flood
If you live in a high-risk flood zone, purchase flood insurance and keep in mind that a new policy usually takes 30 days before it goes into effect. Your lawyer can explain if your flood insurance covers hurricane damage. If you have flood insurance and your insurer contests your claim, your attorney will advocate for you.
Lightning
In one of the worst-case scenarios, lightning strikes your home or other personal property. Your attorney can provide insights into whether your car insurance covers storm damage from lightning and other causes. Often, lighting damage is covered under a homeowners policy.
For residential property damage in Louisiana, there is a 60-day limit for insurers to pay out claims. With commercial property damage, the time frame for insurance companies to provide compensation for a claim is 90 days. If you want help getting compensation from an insurer following storm damage, the team at Laborde Earles is here to help.
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.
ClientWhat Is a Bad Faith Storm Damage Claim?
Per Louisiana Revised Statutes (RS) 22:1973, insurers are legally required to act in good faith. This applies to claim practices and settlements. Many insurance companies take the law seriously, but some choose to ignore it.
As a business, an insurer may search for ways to dispute claims from clients who face the consequences of storm damage. If an insurance company chooses not to pay your claim or misrepresents your coverage, you could have grounds for a bad faith claim. Louisiana’s storm claim lawyer can determine if you should file this type of claim.
Ultimately, saying your insurance carrier denied your claim is not enough to prove that the business is operating in bad faith. You need evidence to validate your claim. Photos and videos of your storm damage, your insurance policy, and other proof can help you get the claim results you want.
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 | ClientWhat to Do If You Are Dealing with Storm Damage in Louisiana
In the moments after a storm, capture evidence highlighting how badly your property was damaged. Photos and videos can make a world of difference in a storm damage insurance claim. They help confirm your request for compensation is valid.
Board up windows, put tarps over holes in your roof, and complete other temporary property repairs. Keep receipts showing how much you are spending on these repairs. Wait until an insurance adjuster gives you the green light to hire professionals to address damage to your property permanently.
Hire Louisiana’s storm claim attorney to help you with your insurance claim. Your lawyer will make sure you fill out the necessary forms and submit evidence to support your claim. They will protect your legal rights as you seek compensation through an insurance claim.
The reassurance from Digger and his staff gave me that renewed hope that it’s going to be okay down the road.
ClientWork with Louisiana Storm Damage Lawyers Who Are Fully Committed to Your Case
Storm damage can be overwhelming. You want your insurance company to follow through on the coverage you purchase. Although you file your claim on time and request fair compensation for your losses, your insurer may operate in bad faith and make it difficult to get the money you need to recover from a storm.
The team at Laborde Earles goes all in to help those dealing with a storm’s aftermath. Tell us about your storm damage, and we will assist you in any way we can. Request a consultation with us.
