New Orleans Insurance Claims Lawyer

Big insurance companies use a vast network of adjusters and engineers to make sure claims break their way. It's nothing for the ordinary person or family to take on their own. If you think your property insurance claim is valid, but your policy won't pay out, you need an insurance claim attorney. A good legal team can fight for your claim against insurance companies looking to weasel out of paying you correctly. If your home or business has suffered any damage, don't wait for the claims adjuster to make a decision. Call the property claims team at Insurance Claim HQ to make sure we get involved early on in the process.

Everything We Do Is Focused On

Maximizing Your Recovery.

Fill out the form to have your claim evaluated for free.

No matter what company your homeowner’s policy is with, insurance claim denial goes the same way.

The policyholder files a claim for damage to their home or business, prompting the insurance company to assess the damage. Once the adjuster inspects the house, the insurance company finds a way to deny the claim based on language in a policy.

There are cases where the insurance company pays the claim in full, but for the most part, these claims do not get paid out. Claim denial is how insurance companies stay in business, and it’s how so many of these companies exist.

Insurance companies also love to underpay claims. We know how it feels when you get that check in the mail after a loss and you just want to cry. Even though it is going to cost you a lot to fix your house, suddenly your insurance company wants to pay you peanuts.

Depending on what state you live in, you could have several insurance options available to you. There are large, general insurance companies and smaller, state companies who cover a variety of things. If you own a home or business, you probably pay a monthly premium or annual premium to an insurance company.

What Do You Call A Lawyer Who Works For Home Insurance Claims?

You can call those kinds of lawyers:

However, many terms fall under homeowner’s insurance claims. Insurance companies will put up a friendly face with a catchy slogan to earn your trust. However, the truth is that insurance companies wouldn’t stay in business if they paid out every claim.


Big insurance companies use a vast network of adjusters and engineers to make sure claims break their way. It’s nothing for the ordinary person or family to take on their own.

If you think your property insurance claim is valid, but your policy won’t pay out, you need an insurance claim attorney. A lot of people will get some money from the insurance company, but they won’t get the entire amount that they are entitled to. A good legal team can fight for your claim against insurance companies looking to weasel out of paying you correctly.

How Are Homeowners Insurance Claims Paid?

The insurance company pays for your claim, which is why this whole business exists as a giant conflict of interest. A policyholder pays a monthly premium to make sure accidents are covered. Then when the accident happens, a policyholder looks to the insurance company to compensate for the accident.

At least that’s how the property insurance claim process is supposed to go. Very rarely is the insurance company going to pay out because they’re not in the business of losing money.

Don’t let an insurance company bully you out of proper compensation. It would be best if you had a property insurance claim lawyer to fight for your policy.

How to Deal With a Property Insurance Claims Adjuster

In our line of work, Insurance Claim HQ has found a policyholder needs to contact an attorney right after you file a claim. Too many people wait until the adjuster has come to their house and found something to deny the request.

Keep in mind the adjusters and engineers who come to inspect your house are there for the insurance company. They are not there to prove your side of the story. Adjusters and engineers are there to find a reason for the insurance company not to payout or a reason to pay you way less money.

The earlier you get a lawyer involved in your claim, the better chance you have of getting maximum compensation. Don’t wait to call an insurance claims attorney, or your claim appeal could be made very complicated.

Why Was My Insurance Claim Denied?

As we discussed, there is no incentive for insurance companies to pay out their policies. Insurance companies need to make profits to stay in business, and the revenues these companies make can be absurd.

Allstate raked in $38.52 billion in revenue in 2017. Even a smaller company like Liberty Mutual made $3.9 billion in revenue the same year. Companies don’t get to make that kind of money by paying out every single policy brought forward.

Insurance companies will give several reasons not to pay out your property policy. It comes down to the bottom line — businesses need to make money. A company wouldn’t do their shareholders a disservice by decreasing revenues.

What Do I Do If My Insurance Denies My Claim?

If your insurance company denies your homeowners or property claim, there is recourse in the form of an attorney. Get legal help.

The attorneys at Insurance Claim HQ deal with lawyers from several different insurance companies across the country. We’ve compiled a database of the most notorious insurance companies who make a living off denying insurance claims.

Below is a list of the insurance companies who we have seen deny homeowners claims. If your insurance company is on the list, click through to see how Insurance Claim HQ can help with your claim denial.

State Farm Claim Denial

State Farm is the largest property and casualty insurance provider in the United States. To that end, it’s also one of the largest companies in the country. State Farm earned 87.6 billion dollars in revenue in 2017. Many people across the country face the headaches that come with holding an extensive, national policy.

Allstate Claim Denial

Since breaking off from Sears in 1993, Allstate has grown into one of the 80 largest companies in the country. Allstate is the fourth largest insurer of property and homes in the U.S., with revenues of 38.5 billion dollars. Similar to State Farm, Allstate is so big that a claim denial can be a grueling process.

Liberty Mutual Claim Denial

The American public doesn’t think of Liberty Mutual as one of the big four insurance companies (State Farm, Allstate, Geico, Nationwide). However, they command 5.3 percent of the property insurance market share in the country with 33.8 billion dollars in direct premiums written. Big companies like Liberty can be challenging to deal with in claim denials.

Farm Bureau Insurance Claim Denial

Farm Bureau operates as a large body in smaller chunks in the state. South Carolina, North Carolina, Michigan, Tennessee, and Virginia are all states who have Farm Bureau options for homeowners. Property owners pay a membership fee to be a part of these policies.

MetLife Insurance Claim Denial

MetLife Insurance is a smaller subsidiary of MetLife Inc., a company primarily focused on employee benefits and retirement plans. A business owner could have a comprehensive program covering employees, workers comp and their business all through MetLife.

Southern Fidelity Insurance Claim Denial

Southern Fidelity is a smaller insurance company offering policies in Florida, Mississippi, South Carolina and Louisiana. Due to their location, Southern Fidelity provides plans for natural disasters and floods. If you live in one of these coastal locations, there’s a strong chance you could have a property claim with Southern Fidelity.

GeoVera Insurance Claim Denial

GeoVera specializes in residential earthquake coverage in Washington, Oregon, California, and Hawaii. They also offer windstorm and hurricane coverage. If you live on the West Coast, there’s a strong chance you have a GeoVera policy on top of your regular homeowner’s policy. GeoVera also offers policies in Louisiana. They are aggressive and sometimes even sue policy holders.

Lighthouse Insurance Claim Denial

Lighthouse is another insurance company focusing on natural disaster policies in coastal states like Louisiana, North Carolina, South Carolina, and Texas. Notice a theme? It’s profitable for insurance companies to offer plans in high-risk areas on the coast. They charge a high premium and then deny or underpay the claim.

USAA Insurance Claim Denial

USAA offers policies to military members and their extended family. USAA offers plans across the country and purports to have excellent benefits to the veteran policyholders. USAA offers plans on homes and small businesses. Find out more about USAA claim denial here.

Maison Insurance Claim Denial

Maison specializes in insuring coastal properties in Louisiana and Florida. Maison insures for floods, hurricanes, and rental properties on beaches. If you own a beach house or condo on the Gulf of Mexico, you might have come in contact with Maison Insurance.

Safepoint Insurance Claim Denial

Safepoint offers insurance in the coastal states of Louisiana, Florida, New Jersey and Texas. Safepoint specializes in property and casualty insurance for residents in those states. They will sell those policies through independent agents and hold poor customer reviews.

CHUBB INDEMNITY Insurance Claim Denial

Chubb operates in the unique niche of indemnity insurance. Indemnity insurance offers protection for companies and their employees for claims related to failures in professional services. Medical malpractice is the most popular form of indemnity insurance, but Chubb also covers engineers, lawyers, and accountants.

Nationwide Insurance Claim Denial

Operating on 46.5 billion dollars in annual revenue, Nationwide is one of the “big four” insurance companies in the United States. They own several smaller companies under their umbrella such as Titan, Victoria, Allied, Farmland, and Scottsdale. Claim denials from any of those companies trickle back up to Nationwide.

Federated National Insurance Claim Denial

Federated National, or FedNat, operates primarily out of Florida in addition to Alabama, Louisiana, South Carolina, and Texas. FedNat focuses on home insurance in those states with additional policies on condos, renters, high-value homes, and floods.

Access Home Insurance Claim Denial

Access Home Insurance allows for fire, lightning, hail and hurricane coverage for homes in Louisiana and South Carolina. Access is notorious for their home insurance policies. As you can see, the trend of insurance companies setting up shop in high-risk areas continues.

AMERICAS  Insurance Claim Denial

America’s insurance company, or AIC, specializes in writing homeowners policies in 26 different states. The company’s origin lies in writing plans after Hurricane Katrina. Regions cover most of the southeast except Arkansas, chunks of the west coast, midwest and the tidewater regions of the U.S.

AmTrust Insurance Company of Kansas, Inc.  Claim Denial

In spite of the name, AmTrust Insurance Company of Kansas operates in Texas and Washington. They focus on policies for non-profit businesses’ employees as well as their property.

Bankers Specialty Insurance Claim Denial

Bankers Insurance group protects homes and businesses across the country. The company headquarters are in Saint Petersburg, Fla.

Centauri National Insurance Claim Denial

Headquartered out of Columbia, SC, Centauri offers policies for homes, fires, condos, floods, and storms. Centauri does business in nine states, including Alabama, Florida, Hawaii, Louisiana, Mississippi, Oklahoma, Massachusetts, South Carolina, and Texas.

Family Security Insurance Claim Denial

Operating exclusively in Hawaii and Louisiana, Family Security insurance is a subsidiary of UPC insurance. These policies cover homes on the coast.

Fireman’s Fund Insurance Claim Denial

Fireman’s Fund Insurance offers policies for commercial and personal property in California. They’re perhaps best known for paying out 15 million dollars when John Candy died on the set of Wagon’s East in 1994.

Louisiana Citizens Property Insurance Claim Denial

Louisiana Citizens Property Insurance offers policies exclusively in Louisiana for homes and businesses. They market themselves as “insurance of last resort” for Louisiana residents. It should be no surprise that they can be very difficult for policyholders.

Occidental Fire & Casualty Company of North Carolina Insurance Claim Denial

Occidental Fire & Casualty Company of North Carolina Insurance is a small subsidiary of IAT Insurance. They cover numerous locations across the east coast with homeowners and flood policies. They also have policies in Louisiana.


Republic Fire And Casualty Insurance have headquarters in Fort Worth, Tex. The group offers property and casualty insurance to numerous locations and is a subsidiary of AmTrust Financial.

Safeco Insurance Claim Denial

Safeco Insurance is based out of Seattle and is a subsidiary of Liberty Mutual Insurance. Safeco offers home policies nationwide as well as condo and natural disaster claims.

SECURITY NATIONAL Insurance Claim Denial

Security National traffics mostly in life insurance claims for individuals and businesses. Based out of Salt Lake City, the company offers policies nationwide.

United Property & Casualty Insurance Claim Denial

UPC offers numerous property claims including homeowners, flood, landlord temporary, condo, renters and commercial, residential insurance. The company specializes in coastal states with headquarters based out of St. Petersburg, Fla.


Zurich is an international insurance company with an American operation whose primary service is providing property insurance to large-scale businesses.

Insurance Claim HQ Will Fight Through Your Property Insurance Claim Denial

No matter the company, no matter the policy — Insurance Claim HQ is here for you when your insurance company denies your claim.

Our property and casualty insurance lawyers have dealt with insurance companies and know the tricks they’ll use in court. You will want experience on your side in a property claim denial, so don’t look anywhere else for top-flight advocacy.

Call our office at (844) 587-8395 or visit our New Orleans office at 909 Poydras Street, Suite 1100 for a free, confidential consultation.

Types of Insurance Claims

At Insurance Claim HQ, we handle all types of property insurance claims around Louisiana. Below is a list and summary of every kind of claim we see here in New Orleans and in the rest of the state:

Bad Faith Insurance Claims

Have you ever had an experience where the insurance company did not act reasonably or honestly? If your property claim is denied and you think the insurance did it in Bad Faith, you need to call an insurance claim denial attorney. Learn more about Bad Faith Insurance Claims here.

Business Interruption Claim

If your place of business is damaged or destroyed, the ability to run your business stops. That means lost income and a load of repairs for your building. Business owners can purchase additional coverage to their commercial property policy to make sure their business can return to normal operations. Learn more about Business Interruption Claims here.

Commercial Property Insurance Claim

Business owners need their brick and mortar operations to keep revenue flowing. When these properties take on catastrophic damage, the repairs can incur massive costs compared to residential property. A commercial property insurance company will not look to pay out the claim in full. Don’t take the first settlement offer from your commercial property insurance company; find out more about your claim here.

Condominium Property Insurance Claim

Condo property insurance claims can differ from a standard residential claim. With a condo comes a condo association with their insurance policy. Most condo owners don’t know their unit and the actual building are considered two separate properties by insurance. Multiple condo owners and condo associations have trusted us to fight for them. Condominium Property Insurance Claims can be complicated, so find out more about them here.

Disability Insurance Claim

Disability insurance is an umbrella for several types of claims. Disability can fall under “total” or “residual” disability, each with different payment periods and amounts paid. Both come with various tricks insurance companies will use to shorten a payment period or deny coverage outright. Learn more about Disability Insurance Claims here.

Government & Municipality Claim

Even larger bodies, like local governments and municipalities, need insurance. Residential water, sewage, and other government services need buildings to serve as home base. When those buildings are damaged, those services cannot continue for the citizens who depend on them. Government representatives can learn how Insurance Claim HQ can represent their property here.

Health Insurance Claim

Health insurance is a vital service to make sure American’s can afford healthcare. Unfortunately, health insurance companies will find ways to deny specific treatments and procedures people need. Your healthcare is a right, not a privilege. Get the treatment you need and find out more about your Health Insurance Claim here.

Hotel Damage Insurance Claim

Owners of hotels or motels will find themselves faced with numerous insurance options. Workers compensation insurance is necessary to protect employees. Food spoilage coverage protects loss for in-house restaurants and bars. Cyber insurance can protect compromised credit card information for customers. If hotel owners have any questions about these types of claims, click here to read more.

Hurricane Damage Claim

Especially in states like Texas, Florida, and Louisiana — hurricane insurance is a must for homeowners and business owners. Property loss because of a hurricane can become complicated in an insurance claim. You’ll need a law firm who’s handled their fair share of hurricane claims. Learn more about how Insurance Claim HQ can help you.

Life Insurance Claim

Life insurance is something you never think you’ll need until your loved one dies unexpectedly. Families lean on these policies to pay for funeral costs and lost wages, but insurance companies find ways to deny these claims. Don’t let your insurance company short-change you on your life insurance policy. Find out more about Life Insurance Claims here.

Long Term Care Insurance Claims

Long term care is for people who need assisted living conditions either at home or in a facility. Insurance companies offer these policies to help families pay for these long-term services. As it goes with health insurance, these policies won’t always cover specific treatments. Find out more about Long Term Care Insurance Claims and plans here.

Residential Property Insurance Claim

from financial ruin in these cases. If your claim of property restoration is denied or underpaid, you should read more about Residential Property Insurance Claims here.

Restaurant Insurance Claim

Restaurant owners rely on their buildings more so than any other business owner. When those properties are damaged, it could be a total halt in business. Whether it’s a fire, broken machinery or another restaurant-specific insurance claim — your business needs protection. For more information on Restaurant Insurance Claims, click here.

Call Insurance Claim HQ Today

If your home or business has suffered damages and your insurance company isn’t paying out, you have options.

Don’t let your livelihood go down the tubes with an accident or natural disaster. The insurance company denying your claim is not the final step. The team at Insurance Claim HQ will be here for you.

If your home or business has suffered any damage, don’t wait for the claims adjuster to make a decision. Call the property claims team at Insurance Claim HQ to make sure we get involved early on in the process.

Give us a ring at (844) 587-8395 or stop by our New Orleans office at 909 Poydras Street, Suite 1100. We give free, confidential consultations for all our clients.

Everything We Do Is Focused On

Maximizing Your Recovery.

(844) 587-8395

Fill out the form to have your claim evaluated for free.