New Orleans Homeowners Insurance Claims
Fighting for Homeowners in Orleans Parish
Hurricanes and tropical storms are devastating forces of nature that regularly damage homes throughout Louisiana. You likely have homeowner’s insurance that entitles you to compensation when your home suffers weather-related damages. Many insurance providers will look for ways to minimize the payments they have to make to you, and won't fully compensate you as required by the policy.
Our New Orleans homeowner hurricane damage claim lawyer is ready to fight for you. At Hammond Law Firm, we have 35 years of experience and a strong track record of success. If your home was damaged by a hurricane or tropical storm, we can prepare your claim and manage communications with your insurance company. Our goal is to help you recover the full amount of what you are owed so that you can focus on rebuilding and recovery.
Does My Homeowners’ Insurance Policy Cover Hurricane Damage?
While the state of Louisiana does not legally require homeowners to purchase homeowner’s insurance, many mortgage agreements require homeowners to maintain a policy. Homeowner’s insurance policies rarely mention hurricanes or other natural disasters by name, but they do typically cover many of the common consequences of these weather events. For example, most homeowners’ insurance policies will cover certain types of water damage. However, most homeowners’ insurance policies do not cover flood damage, and some will exclude wind damage.
To recover compensation under your homeowners insurance policy, the cause of the loss must be covered by your policy. You should carefully review your policy’s language to verify what types of damage are covered. Our New Orleans homeowner hurricane damage claim attorney can evaluate your policy and determine whether you are owed compensation under your coverage terms.
What to Do After a Hurricane Damages Your Home
After riding out the storm in a safe location, return and carefully inspect your home once it is safe to do so. If you spot any damage, immediately get in touch with your insurance company and let them know you will be filing a claim. Most policies require you to notify your insurance company as soon as possible, and they may send an adjuster to conduct their own inspection.
Mitigate your damage to prevent further water intrusion. Cover your roof with a tarp if there is damage and take steps to cover any new damage caused by wind.
Take photos and videos of the damage and, if necessary, conduct emergency repairs. Keep all receipts and invoices associated with damage recovery. Once you have a full sense of the damages, compile your documentation and submit your claim. Include as much evidence as possible.
Why Hurricane Damage Claims Are Rejected in Louisiana
You must remember that your insurance company is looking out for itself, not you. Regardless of what your policy states or what you are entitled to, they will almost certainly attempt to settle for as little as possible. You might even be surprised to find that your insurance company has rejected your claim entirely.
You may still be able to recover compensation if your hurricane damage claim is initially denied. At Hammond Law Firm, we understand how much homeowners depend on insurance compensation to rebuild and recover in the wake of a hurricane. Our New Orleans homeowner hurricane damage claim lawyer is ready to help you pursue an appeal and champion your rights. We have a long history of successfully advocating for our clients and will work tirelessly to secure the maximum level of compensation available to you.