No matter where you live in the New Orleans area, you’ll probably have to deal with high water at one time or another. If you suffer property damage due to a flood and your insurance provider gives you trouble with your claim, you should call a Louisiana flooding claims attorney with the Irpino, Avin & Hawkins Law Firm. We will work to make sure your insurance carrier is held accountable for the compensation you deserve.
What to Do If You Have Problems With Your Louisiana Storm Damage Insurance Claim
At Irpino, Avin & Hawkins Law Firm, our Louisiana flooding claims attorneys have a great deal of experience in dealing with the tricks many insurance companies use when trying to deny a legitimate claim. If your provider tries to use a technicality to fail to honor your policy or you need an estimate from a neutral party to verify your claim, we’ll be able to help.
How Flooding Insurance Typically Works
You will likely be required to have flood insurance if you are in an area that is flood prone. The typical policy will usually cover damage to your home’s electrical and plumbing systems, as well as the foundation, woodwork, carpeting and walls. In most cases, however, it will not cover exterior damage, nor will it cover the growth of mold or mildew if it was preventable.
When a homeowner’s property is flooded, he or she must immediately report a claim to the insurance agent. An insurance company adjuster will then meet you to assess the damage. In order to be eligible for compensation, your insurance company must receive an official claim — known as a Proof of Loss — within 60 days of the date of the loss. It will be up to you to make sure that your Proof of Loss is not only filed in a timely manner, but that it is completely accurate as well.
You’ll also need to either take a video or photograph of the inside and outside of your home to provide evidence of water height as well as any damage that may have occurred. This will be extremely important when you file your claim, because you can’t simply “guess” at how much your damaged possessions are worth. The photo or video evidence will be critically important in legitimizing your claim.
How Louisiana Flooding Claims Attorneys Can Help
Unfortunately, there are far too many instances where an insurance company will fail to pay a legitimate claim for a variety of reasons. It may, for example, refuse to pay for damage that occurred above a certain water mark. In many cases, this will be a violation of Louisiana law. It states that insurance companies must not use the water mark without taking other evidence into consideration when deciding whether a loss is or isn’t covered under a policy.
This is just one example of how Louisiana flooding claims attorneys can help you get the compensation you deserve for the losses you have suffered. At Irpino, Avin & Hawkins Law Firm, our lawyers are very familiar with flood insurance law and will make sure your rights are protected through every step of your case. If you would like to learn more about how we may be able to help with your Louisiana storm damage claim, contact us online or call 1-800-7500-LAW.