Talking to a lawyer may not be your first thought after going through a hurricane. However, if you are struggling with your insurance company, our Hammond hurricane claim lawyers can handle communication and paperwork and compile evidence.
Focus on picking up the pieces after a natural disaster, and let our team manage the logistics of your insurance claim.
What Hurricane Losses Can Be Paid By a Homeowner’s Insurance Claim?
After a hurricane, you could receive help paying for losses to your home, including for damage to the:
- Structural integrity
- Personal items
How much you receive will depend on the extent of the damage as well as your specific policy and policy limits. Having documentation of the price of items and when you purchased items can help highlight what you deserve. Our team can help you demonstrate if an item needs to be replaced instead of repaired.
Other Losses That Could Qualify
Additional structures or possessions on your property may be covered by your policy as well, allowing you to recoup the cost of losses related to:
- Detached garages
We can explore all your options for compensation, assessing what losses your policies cover. Then, we can guide you through how to document evidence and pursue compensation.
Do I Need Separate Insurance Coverage for Hurricane Damage?
Many of the above losses could be covered under your standard homeowner’s insurance policy after a hurricane. However, in the case of natural disasters, your policy may have disaster deductibles or require additional coverage, like flood insurance.
You may also need to pursue compensation through different insurance policies under certain circumstances. Losses related to your car could be covered by your auto policy, while some water damage can only be covered by a flood insurance policy.
Hurricane deductibles kick in under certain circumstances, such as the official naming or categorizing of a storm. Louisiana law defines a hurricane as a storm system that has been categorized as a hurricane by the National Weather Service (R.S. 22 §1337).
According to the Insurance Information Institute, insurance companies calculate these deductibles by a percentage based on a home’s value. So these deductibles can be higher than dollar-amount deductibles and cost you more out of pocket before coverage kicks in.
You can find your hurricane deductible listed on the declarations page of your policy. If you aren’t sure when your Hammond homeowners insurance policy kicks in and need help understanding your rights, our hurricane claims attorneys can review your case for free.
Homeowners policies typically do not include flood insurance. Flood insurance only covers losses due to a flood, but distinguishing loss due to flood or wind-driven rain in a hurricane can be tricky.
What you consider a direct result of flooding may be loss due to wind-driven rain. The Federal Emergency Management Agency (FEMA) discusses these distinctions that can affect which policy should cover your losses.
When you suffer property losses and feel unsure whether you can file a claim under your homeowners or flood insurance policy, our Hammond hurricane claims attorneys can review your case for free.
What Can a Hurricane Claims Lawyer Do to Help?
While your insurance provider can give you information about your policy, you should remember that it functions as a business with a goal to save money. So you may find it difficult to get the information you need as well as compensation for your losses.
In addition to explaining your policy’s terms, the hurricane insurance attorneys at the Law Offices of Anidjar & Levine prioritize your needs and concerns. We can protect your rights and help you:
- Prepare and file your claim
- Document evidence of losses
- Gather receipts and paperwork
- Determine a value for your losses
- Compose an official statement
- Communicate directly with adjusters
- Insist on receiving timely information
- Review and negotiate settlement offers
- Hold companies accountable
- Appeal denied claims
While your insurance company may view you as just one hurricane claim among many after a storm, we consider your unique needs as important and not just another case.
Why Choose the Law Offices of Anidjar & Levine?
The Law Offices of Anidjar & Levine has many connections to Louisiana. We are passionate about helping people in Hammond and the surrounding area.
In fact, two of our lawyers began their professional journeys in Louisiana and remain committed to the state. Attorney Glen Levine graduated from Tulane University and attorney Nicholas Basco graduated from Loyola University New Orleans.
We show our passion to help people in Louisiana by offering:
- Free consultations
- Payment only on contingency
- Help with appointments and repairs
- Access to attorney’s phone number
- Easy contact to our team
We have also received over 800 positive reviews from former clients, including this one from Jos I.: “Prompt and courteous answers to questions. Great communication from everyone involved with your case. Phenomenal case results. A completely and thoroughly enjoyable legal experience from beginning to conclusion of my case. Thank you so much.”
When an Insurer Operates in Bad Faith
If you have encountered an insurance company whose behavior crosses the line, you could have grounds for legal action. An insurer that operates in bad faith may:
- Bully, intimidate, or exhibit other problematic behavior
- Stall or refuse to provide information in a reasonable time
- Deny or undervalue claims, despite evidence
- Refuse to honor the terms of your policy
- Claim you do not have coverage that you do have
If this sounds familiar, our hurricane claim lawyers serving Hammond can look into your case. You may be able to take action to receive the compensation owed to you under your policy.
We Take Care of You, Starting with a Free Case Review
After you’ve experienced the devastation of a major storm in Hammond, our hurricane claim lawyers can work to ease the process of pursuing your insurance compensation. Call our office today to learn more: 1-800-747-3733.
We Can Help.