High winds are capable of wreaking havoc on homes and property, even without a hurricane. Strong gusts during regular storms can damage roofs, windows, and structures, often due to falling branches, trees, and other debris.
Unfortunately, it’s not uncommon for insurance companies to try to deny wind damage claims or offer settlements far below the repair costs. This leaves property owners feeling trapped and frustrated with inadequate compensation for their losses.
If you’re dealing with a denied or unfair wind damage claim, reach out to Laborde Earles. With over $1 billion won for clients, we are your trusted Louisiana wind damage lawyer. For skilled assistance with your insurance claims, contact a skilled Louisiana insurance claims lawyer today.
Understand Your Rights with Wind Damage Claims
Louisiana residents know that even regular storms can cause severe property damage. While these winds may not match hurricane strength, they can still result in significant harm.
A Louisiana hurricane damage lawyer can help you understand your rights when dealing with such damage.
Common Types of Wind Damage
Even if a storm doesn’t completely destroy your property, high winds can cause costly damages, such as:
- Roofing damage
- Broken windows
- Structural harm
- Vehicle damage
- HVAC and pipe issues
- Damage to other structures on the property
Replacing a roof or other structural repairs can be very expensive. Unfortunately, many insurance companies may try to offer settlements that do not fully cover these costs.
If you’re facing this challenge, a wind damage claim attorney in Louisiana can provide the support you need to pursue a fair claim.
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 to Take if Your Property Sustains Wind Damage
Photograph any damage immediately after the event. If possible, having “before” photos can strengthen your claim. Address all damages promptly, make temporary repairs as needed, and keep track of related expenses.
File your claim as soon as possible. An insurance representative or independent adjuster will likely assess the damage. Keep detailed records of all correspondence with your insurance company, including written damage assessment reports.
Consider hiring a public adjuster or damage assessment expert for a second opinion. Our attorneys recommend this step, as a public adjuster’s estimate might differ from the insurance adjuster’s, potentially leading to a higher claim amount.
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 Wind Damage Covered Under Homeowners Insurance?
Wind damage is typically included in homeowners insurance policies, except for coastal areas. It’s important to review your insurance policy to confirm that wind is listed as a covered peril or included in an “all-risk” policy. Look for any specific explanations regarding windstorms.
If wind damage isn’t covered, consider updating your policy or getting additional coverage from another insurer. This can help protect your property from future wind-related damages. Our attorneys can guide you through understanding and improving your coverage options.
The reassurance from Digger and his staff gave me that renewed hope that it’s going to be okay down the road.
ClientExclusions With Wind Damage Coverage
Policies often have various exclusions. A frequent issue is determining if the damage was actually caused by wind. Insurers might claim the damage is due to wear and tear, defects, or poor maintenance rather than wind.
In such cases, a public adjuster’s assessment can be beneficial. They provide an independent evaluation, which can support your claim and counter the insurance company’s arguments. We can help guide you through this process to make sure you get a fair assessment.
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.
ClientCommon Challenges with Insurance Companies
Property owners can find it challenging to settle wind insurance claims. What seems like a simple claim for roof or window damage often becomes complicated when insurance companies resist paying for repairs. They may argue that the damage was preexisting or not caused by the wind.
Our clients frequently face these issues:
- Denial of claims
- Low settlement offers
- Claims that damage was pre-existing
- Maintenance issues blamed for the damage
- Missed damages during inspections
- Discrepancies between estimated and actual repair costs
- Incomplete estimates
- Delays in settling claims
- Complications from multiple parties and insurance companies
Unfortunately, these difficulties are common when dealing with wind-related insurance claims. Our Louisiana wind damage claim lawyers are here to help you navigate these challenges and pursue a fair resolution.
Preventing Bad Faith Tactics
It’s frustrating when insurance companies don’t uphold their end of the bargain. You pay your premiums on time, yet they might try to find loopholes to deny your coverage after a natural disaster damages your home.
Such behavior isn’t just unethical; it’s illegal. Our Louisiana insurance claims attorneys are here to help you prove this. If your provider is found guilty of bad faith tactics, they could be liable for up to twice the amount of the original damages, plus attorneys’ fees.
Why You Need a Louisiana Wind Damage Claim Attorney
Our experienced attorneys are dedicated to helping you navigate the often challenging process of filing wind damage claims. We understand that dealing with insurance companies can be frustrating and time-consuming, especially when trying to recover from the impact of high winds.
With our guidance, you can confidently pursue a fair settlement and make sure all your damages are properly addressed.
Our team of skilled attorneys is here to support you with:
- Helping you avoid common errors and mistakes when filing a claim
- Ensuring you understand your policy limits
- Documenting all necessary damages and assessments
- Securing fair and reasonable estimates
- Maximizing your settlement offer
We also negotiate with the insurance company and help prioritize both short and long-term damage recovery. Our attorneys are ready to address any unique needs you might have.
No matter what you need, our experienced attorneys guide you through every step of the claim process. If required, we will represent you in court to help recover all your losses from wind damage.
Trust Laborde Earles to Handle Your Wind Damage Claim
Dealing with wind damage can be stressful, especially when insurance companies aren’t willing to pay what you deserve. At Laborde Earles, we understand these challenges and are here to help. We have successfully won over $1 billion for our clients, demonstrating our commitment to achieving the best outcomes.
If you find yourself struggling with an insurance claim, having a knowledgeable advocate can make a significant difference. As your Louisiana wind damage claim lawyer, we will work tirelessly to make sure your claim is fairly assessed and that you receive the full compensation for your damages.
Reach out to Laborde Earles today for a consultation. Let us help you get back on your feet and restore your peace of mind after wind damage.
