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Did You Suffer Damage in a Hurricane in Louisiana?

Louisiana is in the direct path of many hurricanes and has a history of being hit hard from Hurricane Laura to the more recent Hurricane Ida. These severe storms can leave thousands without power, without homes, with destroyed businesses, or with severe damage to their house that prevents them from sleeping safe at night.

If you or a loved one lives in Louisiana and suffered severe damage to your home or business during a hurricane, Gordon McKernan Injury Attorneys may be able to help. Our lawyers can represent you in insurance claims and appeals against your insurance company if your hurricane insurance claim will be difficult or has already been denied. For a free legal consultation on your case, call our Louisiana insurance claim attorney today at 888.501.7888.

DO YOU NEED A LAWYER TO FILE A HURRICANE DAMAGE CLAIM?

Many people who live in Louisiana carry insurance specifically to protect them in the event of flood damage, wind damage, and other damage caused by hurricanes. These insurance policies should allow victims of hurricanes to file claims and get the help they need without the hassle. However, many claimants find that their insurance companies end up causing trouble and making their claims hard to manage. For help, turning to a hurricane insurance claim lawyer might be your best option.

Many people who live in Louisiana carry insurance specifically to protect them in the event of flood damage, wind damage, and other damage caused by hurricanes. These insurance policies should allow victims of hurricanes to file claims and get the help they need without the hassle. However, many claimants find that their insurance companies end up causing trouble and making their claims hard to manage. For help, turning to a hurricane insurance claim lawyer might be your best option.

When you file your claim, your insurance company will do everything in its power to shrink the damages they pay you, exclude certain types of damage from your coverage, and even potentially deny it altogether. In many cases, working with an attorney not only shows the insurance company that you mean business, but it shows them that they won’t be able to use many of these techniques when a trained, experienced advocate is in your corner.

Our attorneys can review your insurance policy and help you understand exactly what should be covered under your policy and work to ensure that your claim is strong and difficult to deny. This could be the difference between getting the money you need when you need it and waiting months for your claim to resolve.

FILING INSURANCE CLAIMS FOR WATER AND FLOOD DAMAGE

Some insurance policies do not cover flood damage. Some policies separate these damages out so that you need to make separate claims for flood damage and water damage to the National Flood Insurance Program (NFIP). Our attorneys can investigate your insurance policies and determine what damages you should be able to claim for flood damage, file the claims, and fight to get you the damages you deserve.

CLAIMS FOR DAMAGE TO BUSINESSES

Business owners and owners of commercial property could be affected in much the same way that homeowners could be affected. If your building was destroyed, your livelihood might now be at stake. Working with an attorney could help improve your chances of getting your claim accepted and help you maximize the damages you get from your hurricane insurance or flood insurance. Business interruption insurance might also help you claim damages for lost business and income during the time your building’s damage will keep you from operating.

APPEALING DENIED HURRICANE CLAIMS

When you file an insurance claim for hurricane damage or any other harm to your home or business, one of the most disheartening outcomes is a denial from your insurance company. Our lawyers can submit appeals to challenge denial and fight to get you the payments you need.

Many denials in these kinds of cases come from the insurance company’s resistance to paying so many claims after a disaster. This means that many denials come from strict interpretations of the insurance policy and other technicalities. This is all the more reason why you should have an experienced attorney prepare and file your insurance claim: to help ensure that every t is crossed and every i is dotted.

Other denials are based on the content and substance of the claim. For instance, an insurance company might deny coverage after a storm by arguing that the paperwork you provided cannot confirm that the damage was caused by the storm and not caused by other events around the same time as the storm. Our lawyers can appeal these kinds of discrepancies and fight to have your denial overturned.

In many cases, insurance companies go too far in their attempts to save money, especially after widespread disasters and other hurricanes and tropical storms. This could cause them to violate their duty of good faith, allowing you to sue for “bad faith insurance.” In these cases, we would file a claim that accuses the insurance company of never intending to pay the insurance policy in the first place. This could result in damages when the insurance company is found to have dealt in bad faith, plus you can get the proper payout you were entitled to if the case is resolved in your favor.

WHAT IF YOUR INSURANCE PROVIDER UNDERVALUES OR DELAYS YOUR CLAIM?

Sometimes an appeal is based not on the fact that your insurance company denied your claim altogether, but that they undervalued your claim. This can be far more disheartening than an outright denial because it often feels like the insurance company is disregarding what the damage to your home or business means to you and your family.

Again, insurance companies often do this after natural disasters like Hurricanes so that they can reduce how much they are paying. However, when you need more money for your claim than the insurance company offered to pay, this is not a justification that you should accept. Furthermore, your insurance policy may contractually entitle you to more. If this happens, you should speak to one of our lawyers about appealing your claim.

DELAYS AND SLOW PAYMENTS

Talk to a lawyer right away if your insurance provider tries to tell you that your claim has been delayed. When your home or business is destroyed after a hurricane or a bad storm, you need all the help you can get as soon as you can get it. Understandably, there will be some delays because so many people were affected by this hurricane and so many people are filing claims with insurance providers big and small. However, there comes a point where a delay is merely an excuse.

Many so-called “delays” in insurance claims are merely excuses to continue to avoid the claim. If an insurance company says a claim is delayed instead of denied, it might stall a claimant’s ability to appeal the claim and might allow the insurance company breathing room to continue to find holes in the claim or cause to deny the claim.

In many cases, there are requirements in your insurance policy about when payments should be made. Even if the insurance company is supposedly “trying its best,” you might still be contractually entitled to reasonably speedy payments. Talk to a lawyer right away, because there is no reason you should have to wait to get the money you need, especially if your home or business has been totally or partially destroyed by a storm.

Our attorneys can put the necessary pressure on your insurance company to end unnecessary or pretextual delays and work to get you the compensation you need. In some cases, these baseless delays are another example of “bad faith” insurance, where the company delays claims instead of ever intending to actually pay the claimant.

Client Reviews

Abogados Increibles!

Rated 5 out of 5
September 30, 2021

Los abogados que manejaron nuestro caso fueron muy accesibles y nos mantuvieron informados de cada detalle través del proceso completo. Recomiendo al equipo de abogados de Gordon Mckernan Injury Attorney. 5 estrellas definitivamente!

Dustin

Muy Profesionales

Rated 4 out of 5
September 30, 2021

El personal de trabajo es muy amable y muy profesional. La oficina esta en una locación muy conveniente y estan equipados con todo lo que necesitan para operar al nivel mas alto en el rugro legal. Puedo recomendar Gordon McKernan Law Office a mis amigos y familia teniendo la seguridad que los trataran como familia tambien.

Carlos

kelyshia3@gmail.com

Rated 5 out of 5
September 24, 2021

Jamie was very helpful, returned my calls in a timely manner, answered all of my questions without hesitation, overall just great! Thank you Jamie

Kelyshia

This is for Bobby Triche

Rated 5 out of 5
September 24, 2021

Bobby’s name is not on your list. Bobby is the best addition you could have made to your company. He is extremely intelligent and meticulous in whatever he attempts to accomplish.

Susan Landry

tony.guillot7961@gmail.com

Rated 5 out of 5
September 24, 2021

Good job if I need another lawyer he will be the one. Great job very knowledgeable and professional.

Anthony Guillot