What happens when another person’s property causes damage to your home? In such situations, you may need to file a third-party claim against the at-fault party’s insurance carrier in order to collect reimbursement for your damages. How does the process differ from filing a claim against your insurance company? Can another insurance company give you […]
Getting home insurance is vital if you want to maintain your financial security, and knowing how to read and understand the extent of your coverage is also essential. Due to the complex language used, these types of insurance are challenging to read and comprehend — especially when it’s time to file a property damage claim. […]
Even with proper maintenance and upkeep of your home, severe weather is out of your control and can cause significant damage to your roof. One of the most common types of storm-related property risks is hail damage. After a hailstorm, you should investigate your roof and identify any damage to help prevent further deterioration and […]
Have you noticed damage to your home? If the damage may have been the result of weather or human activity, you likely want it fixed as quickly as possible. Is there a time limit to file a homeowners insurance claim in Louisiana? As you prepare your claim, you should understand the Louisiana statute of limitations […]
A sworn proof of loss is a tool by the homeowners insurance company to guard against fraudulent claims. However, they can trip up and slow down valid claims like yours. Before you deal with a sworn proof of loss document, let an experienced homeowners insurance claim attorney help respond to your insurer. What Is a Sworn Proof […]
Just like other industries, there are insurance companies that operate for the right reasons and there are insurance companies that will put profits over people in every possible way. When dealing with the latter, homeowners can often find themselves searching through their insurance policies to find a reason for why they have had their claim […]
Straight line wind damage can be devastating. In most cases, your homeowners insurance will cover damage from straight line winds just as it would any other wind damage, but you must be prepared to document and be diligent to get the money you deserve. Your insurance company likely won’t make it easy, but Insurance Claim HQ has […]
While not talked about as much as the four annual seasons, hail season is a concern in many parts of Louisiana. While most hail reports occur in northern Louisiana, homeowners from nearly all parishes in Louisiana have been and can be impacted by hail storms, risking significant property damage. A hail storm can significantly damage […]
Any damage to the home’s foundation needs immediate action. But your home insurer has exclusions that may affect whether these problems are covered. For instance, a policy may only address foundation issues caused by fire, vandalism, and water. Familiarizing yourself with foundation damage warning signs and what caused them is essential. If you need clarification […]
Insurance policies are a contract between the insurer and the policyholder. However, as with all contracts, there is the possibility of an attempted withdrawal or failure to live up to the contract. There are tools in place to prevent or rectify this should it leave one party unfairly compensated: the Louisiana Revised Statutes imply that […]