A commercial hurricane claim is more than a repair estimate for the building. A storm can damage the roof and equipment, spoil inventory, interrupt operations and require temporary space. The first challenge is to show what happened to each part of the property and how the loss affected the business. Start with safety and…
There is no standard dollar amount or universal percentage that every Louisiana hurricane claim lawyer receives. The fee depends on the agreement with the client, the work undertaken and the outcome if payment is contingent. Before hiring counsel, ask how the fee is calculated, what expenses are separate and what happens if the insurer…
There is no single 30-day rule for reporting every Louisiana car accident to an insurer. Look at the policy that may cover the loss and give notice promptly under its terms. The duty to notify police is a separate question with its own statutory threshold. If you are still at the scene, get emergency…
After a hurricane or severe storm, the first available contractor can feel like the only option. That urgency is exactly why a few checks before signing matter. A polished truck, a local telephone number, or a promise to “work with insurance” does not establish that the business is licensed, insured, or able to finish…
A slow or disappointing home insurance claim is not automatically bad faith. Louisiana law asks more specific questions: what information did the insurer have, when did it receive that information, what amount was due, and was a failure to pay or properly handle the claim arbitrary, capricious, or without probable cause? Those questions are…
Contents coverage pays for covered loss to the movable property in a home: furniture, clothing, electronics, kitchen equipment, tools, and the many ordinary items that are expensive to replace all at once. On many homeowners policies it appears as Coverage C, separate from the amount available to repair the dwelling. The limit shown on…
Renters insurance protects interests that a landlord’s property policy usually does not: the tenant’s belongings, the tenant’s potential liability to other people, and sometimes the added cost of living elsewhere after a covered loss. The details depend on the policy, but seven points explain most of the coverage questions Louisiana renters encounter. 1. The…
When a homeowners insurer will not pay enough to repair a house, the first useful question is not whether the company is being unfair. It is why the company reached its number. A denial may turn on an exclusion, the cause of the damage, missing proof, depreciation, a deductible, or a disagreement about the…
Homeowners insurance may pay for an apartment while your house is being repaired, but only when the policy includes loss-of-use or Additional Living Expense coverage and a covered loss makes the home unfit to live in. The policy language, the cause of the damage, and the reasonableness of the temporary housing cost all matter….
This article provides general legal information, not legal advice. Policy language, claim deadlines, and outcomes depend on the specific facts. Reading this page does not create an attorney-client relationship. A storm claim rarely stalls because of one dramatic refusal. More often, the delay grows one step at a time: an inspection is postponed, the…
This article provides general legal information, not legal advice. Policy language, endorsements, deductibles, deadlines, and outcomes depend on the specific facts. Reading this page does not create an attorney-client relationship. Two Louisiana homeowners can buy policies with similar names and still have very different protection. One policy may cover the house against any direct…
An insurance call after a Louisiana accident may sound routine, but the conversation can become part of the claim record. A person who is sore, shaken, or still learning what happened should not feel pressured to give precise answers that are really guesses. The right response depends on who is calling. Your own insurer…
An insurance company can deny an accident claim. Whether the denial is justified depends on the policy, the facts, and the reason the insurer gives. Start by asking for that reason in writing. A disagreement over who caused the crash needs a different response from a claim that the policy had expired. Keep the…
An insurance negotiation usually goes wrong long before the parties disagree about a number. Fault may be unsettled. The available coverage may be unclear. Treatment may still be changing. Lost-income records may be incomplete. A demand sent before those questions are understood can give the adjuster a tidy file but leave the claimant negotiating…
If the insurer says your car is totaled but the offer will not buy a comparable replacement, ask for the full valuation report. The dollar amount alone does not tell you whether the company used the right vehicle, mileage, equipment, condition, or market. Before challenging the number, find out what is actually disputed. A…