Has your insurance company delayed, underpaid, or denied your claim after a flood damaged your property in Shreveport?
You don’t have to accept their decision without a fight. You paid for coverage, and you deserve a fair review of your losses. An experienced flood damage attorney from Insurance Claim HQ can look at your insurance policy, explain your rights, and take action if your insurer won’t deal with you fairly.
We know the law, we know how insurance companies work, and we know how to handle flood claims throughout Louisiana.
Contact our Shreveport flood damage claim attorneys today for a free case review.
Why You Need Our Shreveport Flood Damage Attorneys
ICHQ stands up for Shreveport property owners when insurance companies try to delay or deny flood damage claims.
Many of our attorneys and staff call Louisiana home, so we understand what it feels like to deal with major disasters. Our legal team also knows how insurance companies work, and we won’t hesitate to push back if they refuse to pay what they owe or engage in unfair practices.
We focus exclusively on helping policyholders, never insurance providers. Our attorneys have decades of experience and have handled property damage claims for more than 70,000 clients. Every person on our team puts clients first, and we are committed to treating your case with the care and urgency it deserves.
If you think your insurer treated your water damage insurance claim unfairly or acted in bad faith, get in touch with us now to learn your legal options.
When to Contact a Flood Damage Lawyer in Shreveport
You should consult a lawyer as soon as you notice flood damage to your property or run into any problems with your insurance company.
If you’ve filed a flood damage claim and feel the insurer hasn’t treated you fairly due to delays, a low offer, or denial, an attorney can review your policy, assess the situation, explain your coverage, and advise you on potential next steps.
Some people try to handle flood damage claims themselves, only to get overwhelmed by confusing paperwork or frustrating responses. An experienced attorney can advise you of pitfalls that could hurt your claim and help you build a strong case for coverage.
Types of Flood Damage Claims We Handle
The flood damage claims ICHQ handles can cover a wide range of losses. Below are some examples of common flood damage claims we can help you file in Shreveport:
- Storm-related flooding – Heavy rain from tropical storms or hurricanes can cause flash floods that damage floors, walls, or furniture from the ground up.
- Levee or drainage system failure – Nearby properties often flood when poor maintenance or design causes public levees, canals, or pumps to fail.
- Clogged sewer or drain lines – You might have a claim against a city or utility company if they failed to keep sewer or storm drains clear and water entered your property.
- Burst pipes during flooding – Flooding can weaken a building’s foundation or walls, which can damage pipes and cause further problems.
Unfortunately, insurance might not cover flood damage for certain types of losses. Examples include most vehicles or temporary relocation costs if you are unable to return to your home immediately due to the damage and potential health risks. Your attorney can help you understand these policy exclusions as you put your life back together.
Our Process for Handling Flood Damage Claims
When you bring your flood damage claim to ICHQ, we start by listening to you. Once we know what happened, we review your policy in detail. We also look at how the flood occurred, whether it came from a storm, a drainage problem, or another cause, and how that affects your flood insurance coverage.
If you have a valid claim, we collect detailed records, photos, repair estimates, and other proof of your losses.
Once we have everything we need, we contact the insurance company and start the process of pushing your claim forward. If the company has already made an offer, we compare it with your actual losses and argue for more if they lowballed you. If the insurance adjuster denied your claim, we dig into the reason why and fight back if they got it wrong.
We work fast but take time to get it right. Our goal is to recover the money you need to repair your property and move forward.
What Challenges Could the Insurance Company Make to My Flood Damage Claim?
Insurance companies often make flood damage claims harder than they need to be. Even when you have coverage, your insurer might use tactics to save money by:
- Claiming your policy excludes water damage from the specific type of flood that occurred
- Insisting the damage was pre-existing
- Accusing you of failing to maintain your property well enough to prevent the damage
- Questioning the cost of repairs in your estimate or demanding excessive proof
- Denying your claim by stating you waited too long to report the loss
- Arguing that the flood caused less damage than you reported
- Citing confusing fine print in your policy to avoid paying for certain parts of your claim
How Long Does the Insurance Company Have to Process My Claim?
Louisiana law gives insurance companies a deadline to act once you send them proof of your flood damage. After they receive proper proof of loss, they have 30 days to do one of three things:
- Pay the full amount they owe you
- Pay part of your claim
- Make a written offer to settle
If the insurance company chooses not to pay part or all of your claim, it must provide a denial letter giving you specific reasons for its decision.
If an insurer fails to respond in a timely manner or does not clearly explain its reason for the claim denial, that could be a sign of bad faith. In those cases, you could be entitled to seek extra compensation through a bad-faith insurance claim. A Shreveport flood damage attorney can help you explore your legal options if your insurer delays, undervalues, or denies your claim.
Schedule a Free Consultation With Our Shreveport Flood Damage Lawyers
If you’re dealing with flood damage in Shreveport and your insurance company isn’t treating you fairly, ICHQ can help. Call us today for a free case evaluation. We’ll go over your claim, answer your questions, and explain what we can do to push for a better outcome.