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Protecting Your Insurance Investments
Each month, you pay your insurance providers a premium that covers your most valuable assets – your home and property. In exchange for these premiums, your insurance providers promise to disburse payouts in the event that catastrophic damage threatens or captures these assets, if the event is in line with the conditions of your agreement.
All too often, these insurance providers use unethical and illegal tactics to withhold these payouts and disenfranchised citizens are left to scramble and try to manage without these payouts that are owed to them. When this happens, you are not alone. Our experienced New Orleans attorneys handle property and casualty insurance claims in a professional manner. We’ll righteously confront your insurance provider and demand what is rightfully yours.
Insurance policies will vary, and it’s important that you have the help of New Orleans attorneys who understand property and casualty insurance claims. It’s also important to know which events are covered and which are not before you enter into a policy. Insurance Claim HQ can help you take the necessary precautions to guard against an event that might leave you without coverage – on your own, so to speak.
Hiring Your Legal Protection
When insurance companies fail to cover the events and damages that they agreed to cover, it is known as bad faith insurance. This is a group of tactics aimed to protect their own finances. Insurance companies can be heavy hitters, and fighting them without the highly experienced New Orleans attorneys of Insurance Claim HQ by your side is not advised.
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Frequently Asked Questions about Hurricane Insurance Claims
I have experienced property loss. Where should I begin?
It’s essential to get a hold of your insurance policy. One of the best aspects of today’s digital age is that your plan can be easily accessed online. You don’t have to worry about your insurance policy being lost in the hurricane-like in the past.
You might have multiple policies that cover different types of damage: flood, wind, and all-risk peril policies. Your insurance company ultimately determines the framework for recovering your money, and that can be a complicated process. We can help you to decipher your plan and precisely define what steps are needed so you can get paid.
What happens after I get the policies?
You will need to report the loss to your insurance company and get the hurricane claim process started. Even if you aren’t sure if the damage will be more than your deductible, you need to get your claim filed promptly.
Your policy information will determine if a simple phone call to your agent will suffice to get the claim started, or if you need to put something in writing. It is always a good idea to put everything in writing since many insurance companies have a separate department for handling unique claims like a hurricane and other disaster-related claims. If you are unsure as to what to do, get help as fast as possible.
What information should I include when I report a hurricane damage claim?
It’s crucial that you document everything that you can. Take pictures, video, and get plenty of estimates for your repairs or the necessary replacements. Keep an itemized list of all the affected property and keep all your receipts for anything that you have repaired or replaced before your hurricane damage claim is settled.
What are the differences in policies?
Most of your windstorm and all-risk policies exclude payments for flood damage. It would help if you carried a separate flood policy to receive a refund for a flood claim. If you have an all-risk plan, it is essential to remember that they typically exclude wind-related damage. In a hurricane, much of the loss is going to come from the extreme winds and flooding that is common during a hurricane. Make sure you have enough policies in place that will cover any hurricane damages.
Can my hurricane damage claim be denied without an investigation?
An insurance company is not supposed to deny a claim without an investigation. They are required to provide you with a written explanation that explains why your hurricane damage claim was denied. A reasonable attorney can help you with this process and determine if there was an error in their investigation.
If you have been a victim of property damage incurred by a hurricane, you need to contact an experienced attorney who can help you navigate your claim filing process. If required, they will litigate your claim as well. This can and does frequently happen with hurricane-related claims.
Give our law firm a call today for your free consultation with one of our experienced attorneys.

What does Proof of Loss mean?
This is a standard term with most property insurance policies. Many insurance companies have standardized forms they use to provide this proof. You are not required to use their form. In fact, the rules of proofs of loss have become very developed under Louisiana law. Once you submit your proof of loss documentation, your insurance company is required to respond within 30 days.
Some insurance companies do not require you to provide proof of loss, so it’s important to talk to your insurance company and see what you need. The only exception is in the case of flood damage and loss. Flood insurance always requires Proof of Loss, regardless of what your insurance company might lead to you believe.
Are flood policies different?
Depending on the location of your property, you might have been required to carry flood insurance on your property. Even though a private insurance company probably issues your flood policy, flood insurance is a federal program that is run through FEMA. Since you are dealing with the federal government with flood damage, it is essential to follow all regulations and meet all required paperwork filing deadlines. You have 60 days to file a flood claim with FEMA and provide your proof of loss.
Do I need to give an Examination Under Oath to my insurer if they request one?
The short answer is yes. Your policy has specific conditions that must be met to get your payment. Some insurance policies will want you to come in for a sworn statement called an Examination Under Oath. They will ask you questions about your claim and might ask for all documentation. The good news here is that you are allowed to have representation at a EUO. If you are called for a EUO, it is in your best interest to have an attorney present, as these are serious and complicated proceedings.
Restoring Your Property after Hurricane Destruction
It’s no secret that our humble hometown of New Orleans is a hot bed for hurricanes and tropical storms. Even the last 15 years or so alone have given us billions of dollars in property damage, prompting the practical rebuilding of our city more than once. As frequent, almost as predictable as they may be, you still require your insurance disbursement to reconstruct your home and begin putting your life back together.
When these rights are denied of you because of bad faith insurance tactics, the fight is not over. With the help of our dedicated New Orleans property damage attorneys, we can confront your insurance provider, demand what is rightfully yours, and you can finally begin to move forward.
Combating Bad Faith Insurance Practices
Call Insurance Claim HQ After You Have Suffered Damages Caused by A Hurricane
We’ll help the insurance companies honor your agreement if any of these sound familiar:
- “Your damage was caused by wind or water, not the hurricane itself.”
- “Your home possessed existing damage that made it prone to collapse.”
- Purposeful delays in your coverage
- Purposefully negligent or sporadic investigation
- Low estimates that will not allow you to repair your property
In many circles, this is known quite frankly as fraud. Your insurance companies are deliberately withholding the finances that they promise in your agreement and in exchange for your monthly premiums. If you need to pay them, they need to pay you when the conditions call for it.
Our New Orleans property damage lawyers have dedicated much of their careers to standing up for homeowners experiencing these wrongful tactics. Give us a call or email today to put a stop to this, beginning with your free case evaluation.
Hurricane Damage Attorneys Serving Following Locations:
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