Hurricane Damage

Living in Louisiana is a special experience that can offer great things to everyone in the surrounding areas. We are known for a unique culture, a 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, tornados, and complete destruction. Hurricanes can destroy a lifetime of work in the matter of hours. Many Louisiana residents and business owners carry insurance policies that have hurricane damage provisions because of the known threat these storms have on our lives. These people pay their premiums each month and expect the insurance companies to pay for the damage that occurred to their homes because of a storm. However, it has happened far too often that these insurance companies are able to wiggle out of paying for these insurance claims, often on 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 have used deceptive practices, then we will not stand for this and we will hold the party accountable. 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 even though they have been paid by their insurance carrier under their homeowner’s insurance policy, they still may have the right to more compensation.

An example of how an insurance company will try not to pay claims or underpay a claim comes in the form of how a house or business was destroyed in the 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 food water and not by the high-powered winds from the storm. There are two different policies that cover each type of loss. Flood insurance covers loss from flood water. Homeowners insurance covers damage from wind damage. 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. 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 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.

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 have suffered property damage in the wake of a hurricane and feel like you have been cheated by the big insurance firms who are trying to save money for their stockholders then you should hire Cliff Cardone to represent you and get the compensation you are owed. 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 504-522-3333 as quickly as possible or you can fill out our online contact form to receive quick feedback from Mr. Cardone or from one of his professional legal assistants concerning your case.