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Water & Flood Damage Lawyers

Our Water & Flood Lawyers Help People Recover Damages Throughout Louisiana

Louisiana Water & Flood Damage Insurance Claims

Our Louisiana Water & Flood Damage Claim Firm Helps Clients Recover

If you have a home or business that has suffered from damage caused by water or floods, it’s likely that you need extensive repairs. Water can change the structural integrity of a building, create unsightly damage, and cause dangerous mold to grow. Water damage can be expensive to repair, and insurance companies know it.

For this reason, insurance companies often readjust policies to make it difficult for their customers to receive help when they need it after a flood or water damage occurs. Poor documentation and unfair adjustment to policies should never cause a person to not receive the coverage they’ve faithfully paid for over the years.

At Arnold & Itkin, our team of Louisiana water and flood damage claim lawyersknows what it takes to keep insurance companies accountable. We’ve recovered billions of dollars for clients because we refuse to let major corporations take advantage of regular people. If water has damaged your property, call our team today. We’re ready to fight to have all your damages covered instead of just a small portion of them.

Call (888) 493-1629 or contact us online to find out how our Louisiana water and flood damage attorneys can help. Your consultation is free and confidential!

Homeowners Insurance & Floods

Homeowners insurance policies do not cover flood damage, and very few commercial policies do. If a person wishes to insure their home or business against flooding, they’ll need to turn to policies offered by the National Flood Insurance Program (NFIP), run by the Federal Emergency Management Agency (FEMA). While these policies are federal, they are often sold by private insurance agents. In some areas, flood insurance is available from private companies.

One of the most consistent issues homeowners experience because of the division between flood insurance and homeowner’s insurance is receiving fair coverage after a storm. Often, insurance companies refuse to cover water damage because they accuse it of being caused by flooding—something many policies don’t cover. Yet, during a powerful storm or hurricane, water from instances other than flooding can damage a home.

Water can be introduced into a home during a storm from:

  • Torrential rains
  • Strong winds
  • Roof damage
  • Broken windows

Often, insurance companies mislabel damage from wind and water as flood damage to try and avoid coverage. We're ready to help people experiencing this underhanded tactic.

Steps to Take After Flood Damage in Louisiana

Per the Louisiana Department of Insurance (LDI), claimants should follow these steps after flooding. While these actions don’t guarantee a successful claim, they do help a person ensure they’re doing every possible to provide their insurer with everything needed to handle their claim. Then, if insurance companies use delay tactics, they’ll be unable to blame the delay on anyone else.

The LDI suggests doing the following after a flood:

  • Call your insurer and start the claims process. After filing your claim, an adjuster should get in contact with you within a few days.
  • Document all damage caused by the flooding with pictures or video. Focus on damage to your property’s structure, floodwater levels, and damaged or discarded property.
  • File a Proof of Loss. Doing this is required within 60 days of the flood. A Proof of Loss is a sworn statement that states the specific damage a person is claiming after a flood. If you’re uncomfortable with how this process is going, it’s important that you call an attorney as soon as possible so they can assist you before the 60-day limit passes.

Louisiana Water & Flood Damage FAQ

What’s the Difference Between Water & Flood Damage?

General water damage that damages a property usually occurs when water is introduced from any means other than flooding. In other words, natural disasters such as hurricanes cause flooding damage while water damage occurs from something like a burst pipe. Most homeowners insurance policies cover water damage but not floods. If you’d like flood insurance, you’ll likely need to purchase it from the National Flood Insurance Program.

I’m Having Trouble with My Water/Flood Damage Claim. What Should I Do?

If you’re struggling to receive the compensation that you deserve after filing a claim for water or flood damage, you might not be thinking of hiring an attorney yet. However, insurance companies delay and deny claims in the hope that people will accept little to no payment out of frustration. Often, these practices qualify as bad faith and are illegal. If your insurer is resisting a valid claim or is offering a low settlement, Arnold & Itkin can help.

How Much Is My Flood or Water Damage Claim Worth?

Every water or flood damage case is different and the value of one depends on the extent of damage and what your insurance policy is supposed to cover. Our team will carefully review your policy, investigate the damage, and pursue the compensation that you deserve rather than the low offer from your insurer. In some instances, we might be able to recover the full value of your claim and additional damages from your insurance company. Our goal will be to restore your property and finances to how they were before the water or flood damage.

Help Is Available from Our Louisiana Water & Flood Insurance Law Firm

While no home insurance and very few commercial policies cover flood damage, it’s important to remember one thing: water damage isn’t always caused by flooding, even if a flood impacted the area near your home. At Arnold & Itkin LLP, our team is familiar with water and flood damage—distinguishing water from flood damage is part of what we do to help clients receive fair compensation. If you’ve made sure you’re protected from water damage and now your insurance company is refusing to cover your losses, our team is ready to help. We’re ready to investigate your claim and identify any bad faith practices that your insurer is utilizing. We’ve helped thousands of people in your position, and we know how uncertain this time can be.

Whether your damage was caused by a flood or water after a hurricane or other type of storm, call (888) 493-1629. Our Louisiana water and flood damage lawyers are ready to listen to your situation and help you decide what to do.

Case Results

Check Out Our Victories

  • $8 Billion Top 3 Largest Jury Verdict in U.S. History Arnold & Itkin LLP tried a Risperdal case against Johnson & Johnson for failing to warn about one of the drug’s most damaging side effects: gynecomastia. Our skill, hard work, and dedication resulted in the third-largest jury verdict ever obtained ...
  • $357 Million Largest Workplace Accident Settlement in Texas history Arnold & Itkin LLP secured a massive nine-figure settlement against a transnational corporation for a workplace incident. The settlement set a Texas record for being the largest personal injury settlement in the state’s history.
  • $222 Million Record-Breaking Verdict for Widow Our firm won $222 million for a woman who lost her husband in an industrial accident caused by a faulty valve. We took the case to trial because the at-fault company refused to take responsibility. The jury saw through the corporate lies and double ...
  • $205 Million Confidential Settlement Obtained for Numerous Clients Arnold & Itkin reached a record $205,000,000 settlement on behalf of clients after several years of hard-fought litigation. The case settled just before trial was set to begin.
  • $171 Million One of the Largest Confidential Settlements in History Arnold & Itkin worked over the course of several years to represent clients in a case that many other law firms turned down. In the end, we were able to obtain a record-setting confidential settlement of $171 million.
  • $117 Million Largest Single-Event Personal Injury Verdict in Louisiana History Arnold & Itkin represented a pregnant woman who experienced stomach pain and called Acadian Ambulance. The driver of the ambulance drove the ambulance into the back of a sugar cane truck causing the plaintiff's spine to be severed at T4 and for her ...
  • $116 Million Confidential Settlement Arnold & Itkin LLP negotiated a massive nine figure settlement on behalf of their clients after several years of hard fought litigation.
  • $110 Million Record Settlement Achieved for Victims of Defective Products Arnold & Itkin obtained a record settlement for individuals harmed by defective, dangerous products. The result exemplifies our commitment to clients and justice for those seriously injured by the conduct of others.
  • $105 Million Record Settlement for Dangerous Product Victims Arnold & Itkin’s legal team helped represent those harmed by dangerous products. We were successful in recovering a $105 million settlement.
  • $97 Million Massive Settlement Secured for Refinery Workers Arnold & Itkin is proud to share that after months of preparation for trial, our firm was able to secure a huge settlement for clients who were injured in a refinery fire. Find out more now.
See All Results
“I really feel like Arnold & Itkin brought justice to my family. Not only my family but many other families. It was just unreal how tirelessly they worked.”
Terry Father of Risperdal Victim

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