Homeowner Insurance Claims

Insurance Claims

Are you tired of your insurance company not answering your phone calls or emails? Are you tired of leaving messages for desk adjusters when their extension does not even ring? How many adjusters have you had since the storm? Are you tired of trying to get contractor estimates to provide to your insurance company? Are you tired of having a new adjuster weekly? You should easily be able to reach out to contact someone who is directly involved with your claim that can answer any questions that you may have. If that is not the case, it could be a sign that you are getting the runaround and they may just be trying to minimize the amount of your claim. We can help you, call us today.

Louisiana Insurance Commissioner Jim Donelon said Policyholders have filed 434,633 claims of all types from Hurricane Ida as of December 31, with 83% of claims closed. Of those claims, 259,134, or 60%, were closed with payment, garnering $6.5 billion in payments for damage caused by the hurricane. How are 83% of the claims closed by December 31, 2021? Are your neighbors 83% satisfied, or did they just give up and settled with their insurance company.

Hurricane Ida Category 4

Insurance Claims

Tree Damage cause by Hurricane Ida

Homeowner’s Claims

Homeowner’s Claims

Many homeowners are not familiar with the insurance claims process.  Homeowners simply pay their insurance premiums to their insurance company, and if their homes are damaged by a covered cause of loss, they expect that the insurance company will pay the fair and adequate costs to repair their homes. In a perfect world, that is how it would happen. But, that is not likely to happen to you, and we can help you to recover the necessary funds to repair your homes to pre-damage condition.

There are several coverages that may be available on your insurance policies that we can assist you with, including:

  • Property Damage
  • Contents Damages for your Personal Property
  • Additional Living Expenses
  • Loss of Use
  • Law or Ordinance – Building Code Upgrade

Commercial Property Damage

Many businesses have also sustained significant damages as a result of Hurricane Ida. There are many different coverages on your commercial policy that include:

  • Property Damage
  • Business Loss or Business Interruption Insurance
  • Contents Damages
  • Inventory Damages
Commercial, Building, Destroyed By Hurricane,Winds

Commercial Property Damage

Bad Faith Insurance

Bad Faith Claims

Bad Faith Claims

Many insurance companies are more worried about their bottom-line profit margins instead of repairing your home. The State of Louisiana requires them to act in good faith during the claims process. When they do not, you have the right to sue for financial penalties and attorney fees from them.

Louisiana Revised Statutes 22:1892 and 22:1973 set specific timelines that Insurance companies must follow, or they will be faced with extra-contractual penalties that are penal in nature. The burden that the insured will have to prove is that the insurer was arbitrary, capricious, or without probable cause in not paying the proper and adequate amount of money in the time required to do so.

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