Common Homeowner Insurance Claims

Posted on March 19, 2019


Hayden Haskins | author

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ICHQ | Site Author

Even though you pay property insurance premiums, it is always preferable to never have to file a claim. However, if something suddenly happens to your home, you hope that your insurance company will resolve the matter promptly and provide you the coverage you need to repair the damage or replace personal property. While insurance claims are often more complicated than you expect, you should always know that our property insurance lawyers in Louisiana are here to help.

The following are some of the most common homeowner insurance claims:

Water damage – Many homes have issues with leaks that result in water damage. Your insurance should cover water damage that originates from sinks, toilets, roofs, or cracks in the wall. Flooding is a different matter – when the water damage comes from the ground up, you will need to file a claim with your flood insurance.

Hail and wind – Hurricanes and storms are common in the New Orleans area, and many homes sustain damage from hail or wind. You may need to purchase a separate policy to cover hail and wind damage in Louisiana, and you should always ensure that you have the necessary coverage in the event of a strong storm.

Other types of property damage – There are many other types of home damage that can lead to a claim, including fires, lightning, vandalism, and much more.

Theft – Learning that someone burglarized your home can be frightening. Fortunately, your insurance should help to cover the costs of the personal property or damage to your home that occurred as part of the theft.

Discuss Your Losses with a Property Casualty Insurance Lawyer in Louisiana

No matter what type of property claim you may have, the Louisiana property casualty insurance attorneys at Insurance Claim HQ can help make sure you receive the settlement you deserve. Call (844) 587-8395 or contact us online for more information about our legal services.