Living in Louisiana is a special experience. We are known for our unique culture, rich history, great cooking, and numerous festivals that make our state one of a kind. However, there is a drawback that comes with our great location. Hurricanes have become a part of Louisiana as much as anything else. Millions have suffered the consequences of these storms throughout the Gulf South. Many people know from experience that these storms bring gale-force winds, flash floods, tornadoes, and complete destruction.
Hurricanes can destroy a lifetime of work in a matter of hours. Many Louisiana residents and business owners carry insurance policies that have hurricane damage provisions because of the known threat these storms pose to our lives. These people pay their premiums each month and expect the insurance companies to cover the damage that occurred to their homes due to a storm.
However, it has happened far too often that these insurance companies can wiggle out of paying for these insurance claims, often on insurance policy technicalities. If you have suffered hurricane damage and have been underpaid or denied coverage wrongfully, contact the New Orleans hurricane insurance claim attorney at the Cardone Law Firm for a free case evaluation.
For over 40 years, the Cardone Law Firm has had the privilege to represent victims and fight for the rightful compensation each is owed. We are determined to get our clients everything they deserve and will not settle for anything else. If you feel as if you are being bullied by the big insurance companies to accept a quick check, you should contact the Cardone Law Firm as quickly as possible. Insurance law is a complicated field, but we have the necessary resources and experience to go head-to-head with these big insurance companies. We are not afraid of the scare tactics these companies employ to save money and time.
If an insurance company has denied your claim, underpaid the insurance claim, undervalued the damaged estimates, delayed payments, or used deceptive practices, we will fight to hold the party accountable.
Unfortunately, there’s no standard deadline for how long you will have to file a hurricane damage insurance claim after a storm. Instead, the timeline will vary depending on your insurance policy. To learn how long you have to file, you can review your policy and get help from a capable New Orleans hurricane damage lawyer.
The settlement available for your property damage after a hurricane will depend on several factors. Of course, one of the key elements is the extent of the damage itself. In a similar way, your payout can also be impacted by the value of your home prior to the damage. However, there are a few other significant components that are more complex: your deductible, coverage limits, and coverage for living expenses. The best way to determine how much coverage you may be owed is to consult with an experienced property damage attorney.
In the aftermath of a hurricane, you might hope that all the damage to your home will be covered, period. Sadly, it doesn’t work that way. In addition to deadlines on filing and documentation requirements, your coverage may also be restricted as a result of policy exclusions, such as exclusions for damage caused by flooding. There are several other major hurdles standing between homeowners and full coverage. To learn more about how to successfully seek maximum coverage, you should consider hiring a hurricane property damage attorney.
Under the law and as stated in your insurance policy, your insurance carrier is required to treat you fairly and follow certain standards of behavior in handling your claim. However, insurance companies will sometimes violate these standards to avoid paying what they owe. These actions are known as bad faith practices. Common types of bad faith include delaying investigations, undervaluing claims, misrepresenting policy terms, refusing to investigate, refusing to justify denials, and using threatening and coercive tactics. If you feel your insurer has acted in bad faith, you need help from a bad faith insurance lawyer.
The maximum amount of time to file a lawsuit based on property damage is two years. Even though this may seem like a long time, it is not. The insurance companies will try to delay you as long as possible, and if you do not pay attention to the time limits, then you can lose your legal right to a substantial amount of compensation. This is why you should hire a Louisiana property damage attorney as soon as possible.
It is important to remember that you have the right to an independent appraisal to assess the value of your property damage, even if you have received payments for a hurricane claim. Many people do not realize that they may still have the right to more compensation, even if they have been paid by their insurance carrier under their homeowner’s insurance policy.
Two different policies cover each type of loss. Flood insurance covers loss from floodwater. Homeowners' insurance covers damage from wind. The insurance companies will usually dispute which destroyed your home, wind or flood. Homeowners' insurance doesn’t cover flood losses, and flood insurance doesn’t cover wind damage.
A good example of how an insurance company will try not to pay claims or underpay a claim is based on how a house or business was destroyed in a hurricane. Insurers will typically try to rely on certain coverage exclusions to tell you that you do not fall within the definition of an insured under their policy definitions section. Many homeowners’ insurance claims are denied when an insurer claims that a home was destroyed by flood water and not by the high-powered winds from the storm.
Knowing which factors are pivotal in determining the cause of a loss is what we do at the Cardone Law Firm. We generally hire experts in engineering to help weigh in on the specific cause of a particular loss.
The Cardone Law Firm has handled many property damage cases, especially in the aftermath of Hurricanes Katrina, Rita, and, most recently, Ida, in dealing with these issues. If you suffered property damage in the wake of a hurricane and feel like you have been cheated by the big insurance firms trying to save money for their stockholders, hire Cliff Cardone to represent you and get the compensation you deserve. With an office located in New Orleans, the Cardone Law Firm can represent any person who has suffered hurricane damage anywhere in the State of Louisiana. Phone Cardone at 866-971-1939 as quickly as possible, or fill out our online contact form to receive quick feedback concerning your case from Mr. Cardone or one of his professional legal assistants.
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