Louisiana Hurricane Damage Lawyers
Our Louisiana Hurricane Insurance Claim Helps People Rebuild Their Lives
Residents of Louisiana are no strangers to hurricanes. Often, residents find themselves dealing with minor damage after a storm passes through their area. A person—and their home—might endure dozens of storms before the right one comes and brings significant damage to their property. When this happens, they rightfully expect the insurance company they’ve paid premiums to for years to hold up its end of the deal. Yet, they often don’t. No one should have their life placed on hold while a hurricane insurance company tries to get out of paying a claim it owes them.
At Arnold & Itkin LLP, our team of Louisiana hurricane damage claim lawyers has the experience that survivors of hurricanes need to keep their insurance companies accountable. When insurance companies deny a claim, we’ll be ready to investigate damage and push back. When they offer a person less than they deserve, we’ll be there to make sure that company is fair. We’ve recovered billions of dollars for clients and are ready to protect your rights and help you get your life back on track after the storm.
For help from our Louisiana hurricane damage lawyers, call (888) 493-1629. An initial consultation is free and we only collect a fee if we obtain results for you.
Hurricane Damage Insurance Claims in Louisiana
As more hurricanes reach Louisiana each year, one thing is becoming clear: dealing with major storms is part of living in the state. In fact, researchers are estimating that the landfall of major storms is becoming more likely each year. While this news is alarming, one of the only things Louisiana residents can do is make sure they have a good hurricane insurance policy. Yet, even this isn’t always enough.
Before a storm arrives, one of the most important things a person can do is to create a record of their belongings and the condition of their home. One way they can do this is by making a comprehensive video showing the outside of their home, its interior, and the items that are in it.
When a hurricane passes through an area, it doesn’t just damage one home—it destroys many. While it shouldn’t effect claimants, this means that an insurance company is facing multiple claims after a major storm.
When insurance companies are facing a significant number of claims, they might start trying to protect their profits by unfairly denying or delaying them. This is called bad faith insurance practice. Though illegal, it isn’t uncommon, and claimants should hire an attorney if they think they are experiencing it.
Types of Hurricane Damage
Strong winds and heavy rain are the two most destructive aspects of a hurricane. These two things combine to cause various types of damage to a person’s home and property.
- Surface damage describes things such as broken windows and destroyed roof paneling on a home. This type of damage is more than superficial as it can expose the interior of a home to the elements, increasing the destructive force of a hurricane.
- Structural damage changes the integrity and livability of a home. For example, the flood waters from a hurricane can soak into the woodwork of a home, causing lasting damage that needs to be corrected. If left uncorrected, water damage can cause a structure to be unsafe and can even make residents sick after the development of mold.
Predicting the type of damage a hurricane will inflict on a home is close to impossible. In some instances, a home might sustain broken windows and minor water damage. Or, a home can be destroyed inside and out from the power of wind, rain, and flooding. After a hurricane damages a home in any way, a person will need to file a claim to have it fixed. If the company isn’t being reasonable or is refusing to cover part or all a hurricane’s damage, calling an attorney will help a person decide what to do next.
What Our Louisiana Hurricane Insurance Firm Assists With
When insurance companies aren’t being fair, our job is to make sure they honor the terms of a client’s policy. Our team is ready to investigate the damages to a home, demand fair compensation, and take an insurance company to trial if needed. We never settle for less than clients deserve and prepared to devote the resources required to hold insurance companies accountable.
Louisiana Hurricane Damage Claim FAQ
What Does Hurricane Insurance Cover?
How much an insurance policy for hurricane damage covers varies from case to case. Many policies only cover damages that happen to the structure of a home and its contents. Other policies cover things that aren’t attached to a home including sheds and garages. Many home insurance policies do not cover flood damage from hurricanes. Homeowners looking for flood protection will likely need to obtain coverage through the Federal Emergency Management Agency’s Flood Insurnace Program. In our experience, insurance companies will try to use the narrowest interpretation of a claim possible. They’ll often try to deny coverage they should provide or attempt to split coverage in a way that minimizes how much they’ll pay a claimant.
Do Insurance Companies Really Try to Deny or Delay Valid Hurricane Damage Claims?
Many people believe that insurance companies delay and deny claims to inflate their profits as much as possible. An insurer might delay a claim to frustrate a person into accepting an offer that’s lower than what they deserve. Or, an insurer might deny a claim hoping that a person will accept decision. In the aftermath of Hurricane Katrina, the Louisiana Attorney General filed a lawsuit that accused one insurance company of finding ways to minimize payments to claimants. The lawsuit claimed that the insurer "coerced their policyholders into settling their claims of damages for less than their value by editing engineering reports, by delaying payment and by forcing policyholders to litigate claims to receive full value.”
What Is an SIU Adjuster & What Does One Mean for My Hurricane Damage Claim?
An SIU adjuster is from a company’s special investigative insurance unit. Insurance companies assign these investigators when they suspect that a person has made a fraudulent claim or when they want to try and pressure a person into accepting a small settlement. If an AIU adjuster has called you regarding your hurricane damage claim, you should obtain the help of an attorney immediately.
Call Our Louisiana Hurricane Damage Claims Law Firm Today at (888) 493-1629
At Arnold & Itkin LLP, our firm has experience helping people with all types of insurance claims, including those involving hurricane damage. When Hurricane Harvey tore through the Gulf Coast states, we were there to demand that residents and businesses were able to receive the compensation they needed from the insurance companies they paid for years. Insurance companies have no right to deny paying policyholders, and we’re ready to be the difference makers you need to move on with your life.
Hold your insurance company accountable by calling our firm today at (888) 493-1629. Our team of hurricane damage claim lawyers are ready to fight for the fair compensation that you need and deserve.