Water can damage your home through burst pipes, roof leaks, or floods. Even if addressed quickly, it can cause long-term issues like warping and mold. Standard homeowners’ insurance often covers water damage, but certain events may be excluded.
For instance, weather-related floods and hurricanes are usually not covered by typical policies. When faced with such exclusions, you need a reliable advocate on your side. The experienced team at Laborde Earles, who have secured over $1 billion for clients, can help.
If you’re dealing with an insurance issue, a Louisiana insurance claims lawyer can provide the support you need. Additionally, if your home has suffered from water damage, a Louisiana water damage claim lawyer from Laborde Earles is ready to help.
Understanding Water Damage
Water damage can strike your home unexpectedly, whether from burst pipes, roof leaks, or natural disasters. A Louisiana water damage claim attorney can guide you through the process of dealing with such incidents.
It’s essential to know that while your insurance may cover internal issues like malfunctioning appliances, weather-related events often aren’t.
Isolated/Internal Water Damage
Internal sources of water damage occur within the home and can lead to significant issues if not promptly addressed. Common causes include:
- Malfunctioning household appliances
- Blocked gutters
- Plumbing problems
- HVAC malfunctions
- Defective windows
- Poorly sealed roofs
- Toilet issues
- Damaged foundations
Storm-Related Water Damage
Storms and floods can cause severe damage quickly, particularly in areas prone to such events. Common sources of storm-related water damage include:
- Flash floods or regular floods
- Tornado or hurricane damage
- Powerful windstorms or thunderstorms
Here are some tips for filing an insurance claim after a hurricane. Understanding the distinction between these types of water damage is essential for managing your insurance claims effectively.
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 Louisiana Water Damage Insurance Coverage
Water damage insurance policies can differ significantly in what they cover. Standard homeowners’ policies might cover certain types of water damage while excluding others, such as damage due to neglect or lack of maintenance.
For more extensive protection, you might need additional endorsements or specific flood insurance.
Standard Coverage
Standard policies typically cover sudden and accidental water damage, like burst pipes.
Flood Insurance
This is necessary for natural flood-related damage, especially in high-risk areas.
Exclusions
Policies usually exclude gradual damage, neglect, or known issues that were not repaired.
For any questions or assistance with your policy, our attorneys are here to help you understand your coverage and protect your home.
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 | ClientIs Sewer Backup Damage Covered by My Policy?
Most standard insurance policies do not cover damage caused by sewer or drain backups or failed sump pumps. However, some policies may offer endorsements that provide limited coverage for these issues.
It’s important to review your policy to understand the extent of your water damage coverage and any exclusions. To better protect your home, you may also consider purchasing a rider specifically for sewer backup damage.
If you’re unsure about your coverage or need assistance, our lawyers are here to help you navigate your policy and explore your options.
The reassurance from Digger and his staff gave me that renewed hope that it’s going to be okay down the road.
ClientSubmitting a Water Damage Insurance Claim With the Help of a Louisiane Water Damage Lawyer
If your home has water damage, your first step should be to file a claim with your insurance company. Following the correct procedures can prevent the insurance company from finding reasons to deny your claim.
Assess the Damage
Start by thoroughly assessing the damage. It might be helpful to hire a professional to inspect the damage and provide a report, which can help you prove the extent and cost of the damage to your insurance company.
Document everything, including photographs and professional reports.
Review Your Insurance Policy
Understand what your insurance policy covers and excludes. Check if the cause of the water damage is covered and if there are any deductibles or specific requirements.
Notify Your Insurance Company
Report the damage to your insurance company as soon as possible. Prompt action can prevent further damage, like mold growth, which might not be covered if caused by delays.
Keep records of all maintenance and repairs to show the damage wasn’t due to neglect and to track costs if the insurance reimburses you.
Contact an Attorney
If you’re facing challenges with your insurance claim, our attorneys can provide the support you need. They can help clarify your coverage, address any disputes with the insurance company, and guide you through the process to make sure you receive the appropriate compensation.
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 Water Damage Claim is Denied
Homeowners pay for insurance policies to protect their homes when disaster strikes. It’s reasonable to expect that your insurance company will cover the damages. However, insurance companies are businesses that seek to maximize profits, which can sometimes lead to denied claims.
Even if you’ve diligently paid your premiums, your insurance company might still deny your claim. Some companies may act in bad faith, denying claims to avoid payouts and boost their profits.
If your claim for water damage has been denied, you might have a valid case. Our water damage claim attorneys in Louisiana can help you challenge the denial and fight for the coverage you deserve.
Get the Support You Need with Laborde Earles
Dealing with water damage can be overwhelming, and you might feel unsure about how to proceed with your insurance claim. We understand the challenges you’re facing and are here to support you every step of the way. As Louisiana water damage claim lawyers, we’re dedicated to helping you understand your policy and advocating for what you need.
Our firm has successfully won over $1 billion for our clients, showcasing our commitment to achieving the best outcomes. We bring our extensive experience and knowledge to every case, making sure you receive the guidance and assistance required to restore your home.
Reach out to Laborde Earles today to discuss your situation. We’re here to help you move forward with confidence and get the coverage you deserve.
