New Orleans residents are no strangers to hurricanes or flooding, but it can still be confusing as to whether or not you need flood insurance. As hurricane season approaches, the team at Insurance Claim HQ wants to discuss various insurance requirements, including flood insurance, for this area. We are here to help if you are […]
We can all agree that 2020 was more challenging than years past for most, to say the very least. For those of us who live in Southern Louisiana, 2020 was especially dumbfounding, being the most active Hurricane season to date. Unfortunately, for those living in Cameron and Calcasieu Parish, this Hurricane season has been very catastrophic. On […]
On August 27th of 2020, the fifth strongest storm to ever impact the United States landed near Cameron Parish, Louisiana, at 12 a.m. CST. Hurricane Laura made landfall as a Category 4 storm, only 7 mph away from being considered a Category 5. Causing the deaths of at least 42 people, Hurricane Laura managed to […]
Denied, Delayed and Underpaid Insurance Claims Builds Frustration for Policyholders LAKE CHARLES, La., Jan. 06, 2020 (GLOBE NEWSWIRE) Five months following catastrophic Hurricanes Laura and Delta, Southeast Louisiana parish residents still suffer; including insured policyholders. Insurance companies have not acted in good faith leaving policyholders with denied, delayed and underpaid insurance claims. Now left frustrated […]
I woke up in the morning and took out the trash. Yes, I am a lawyer, but in that moment, I wasn’t being a lawyer. I was cleaning my house. The reality is simple. People get confused when an attorney works for an insurance company. As an attorney, I meet with clients, file pleadings, answer […]
“Mold” is an unscientific term for a variety of undesirable indoor and outdoor fungi. Typically, these bacteria need moisture and darkness to grow. So, the inside of a wall is an ideal mold spawning ground. There is absolutely no light, and many parts of Louisiana are unusually damp. The most common types of indoor mold, […]
In 2019, roughly a half-million fires caused over $12 billion in damages. In addition to the economic losses, even small fires cause significant emotional losses. The constant smell of burnt wood is an unfriendly reminder of these losses. So, prompt cleanup and restoration is essential. Unfortunately, many claims adjusters look for reasons to deny claims. Additionally, some […]
Simple precautions, such as parking in a busy, well-lit area, locking your car, and taking your keys, are more effective than any available anti-theft device. Such gadgets, including tracking or immobilization devices, help people recover stolen cars, but they usually do not deter theft. Many insurance companies attempt to blame policyholders for theft losses. But in most […]
If your home has sustained significant damage in a disaster and there is a possibility it could be considered a total loss, you need to consider hiring an expert to evaluate the extent of the damage. What you consider a total loss and what the insurance carrier considers a total loss may be two separate […]
In 2019, the ten largest insurance companies in the United States collected about $330 billion in property insurance policy premiums. Given such massive revenue, there is little or no excuse for acting in bad faith and refusing to make things right for policyholders. Yet many insurance companies routinely act in bad faith. Generally, these bad faith actions […]