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New Orleans Louisiana Hurricane Lawyers

Storm Damage Insurance Claim Attorneys in New Orleans, Louisiana

You depend on your insurance provider to take care of you after a powerful storm damages your home or business. As a company looking to make profits, though, your insurer might try unacceptable tactics to deny or devalue your claim, putting you into financial limbo.

When an insurance company is giving you a difficult time or disrespecting your storm damage insurance claim, turn to the Louisiana storm damage attorneys of The Chopin Law Firm LLC. Backed by more than five decades of combined experience, we have what it takes to go head-to-head with stubborn insurance companies, including nationwide brands with dedicated legal departments to shut down claims. Whether your home or business was devastated in a storm, flood, or hurricane, we want to be the legal team you call first for assistance with your claim.

Dial (504) 475-2429 right now to discuss your storm damage insurance case with one of our attorneys.

How We Help Storm Damage Insurance Claimants

Our Louisiana storm damage claim lawyers focus on helping clients who have already filed a claim but are now encountering unexpected issues due to insurance company interference. We can stand up for you when the future suddenly seems uncertain. You should feel free to focus on other parts of your life, like your job, business, education, or family, while we get to work on your case because we can manage all aspects of it from start to finish.

Let us know if your storm damage insurance provider has:

  • Denied your claim: Claim denials are not inherently incorrect, but, in many cases, denials are made arbitrarily or through some misinterpretation of a policy’s rules. We can challenge insurance companies who have wrongfully denied your storm damage claim and demand full compensation for your owed coverage and possibly additional damages for the hardship the wrongful denial caused you.
  • Delayed owed payments: An insurance bad faith tactic we have seen often as property damage insurance attorneys is delaying payments once they are approved. Some insurers wait as long as legally possible – or longer – before giving payment or settlement to a policyholder. The objective might be to hope you lose track of the payments and not realize you have not been fully compensated.
  • Undervalued the damages: Insurance companies will send an adjuster to your home or business after a storm to see the extent of the damage up close. Dishonest insurance adjusters can intentionally undervalue the total damages by downplaying the severity of the damage or insist that some of the damage existed before the storm passed.
  • Threatened to cancel your policy: After a storm tears across a stretch of Louisiana, some people are shocked to get a notification that their policy coverage will soon be canceled. This tactic is used to try to escape all accountability by dropping the claimant before they have a chance to file a storm damage insurance claim.

What constitutes 'bad faith' actions by an insurer?

Bad faith actions by an insurer can occur when an insurance company fails to act in a manner that is fair and reasonable to the person insured. This can include unnecessarily delaying the processing of claims, refusing to pay a claim without a reasonable basis, or failing to conduct a proper investigation into the claim. Examples of bad faith include denying benefits that are clearly covered under the policy, failing to communicate pertinent information to the claimant, or using misleading practices to avoid paying a claim. If you suspect bad faith, it’s advisable to consult with a hurricane damage attorney who can assess your situation and guide you on the steps to take.

How can I appeal a denied storm damage claim?

If your storm damage claim is denied, you can appeal the decision by following these steps:

  1. Review the Denial Letter: Understand the reasons provided by your insurer for the denial. This will help determine your next steps.
  2. Gather Documentation: Compile all relevant documents such as your insurance policy, photos of the damage, estimates for repairs, and any correspondence with the insurance company.
  3. Submit a Written Appeal: Write a formal appeal letter to your insurer, detailing why you believe the claim was wrongfully denied and include all supporting documents.
  4. Seek Legal Advice: Consider consulting with a hurricane insurance claim attorney who can provide expert advice and represent you in the appeals process if necessary.

What are my rights if the insurance adjuster misses obvious damages?

If an insurance adjuster misses obvious damages during their assessment, you have the right to challenge their report. Here’s what you can do:

  1. Document the Missed Damages: Take detailed photos and gather evidence of the damages missed by the adjuster.
  2. Request a Re-inspection: Contact the insurance company to request a second inspection. It can be helpful to have a third-party contractor present during this inspection to provide an independent assessment.
  3. Hire an Independent Adjuster: If the insurance company is still not acknowledging the obvious damages, you may hire an independent adjuster to provide a more impartial assessment.
  4. Consult with an Attorney: If disputes continue or the insurance company still fails to cover the obvious damages, consulting with a hurricane damage attorney can help protect your rights and ensure that you receive fair compensation for all damages.

Why Choose Us for Your Storm Damage Claims?

Opting for The Chopin Law Firm LLC means selecting a team of hurricane damage lawyers with a proven track record of handling complex claims in New Orleans and across Louisiana. Our lawyers are well-versed in the intricacies of storm damage law and are known for their aggressive representation and compassionate client care.

If your property has been affected by a storm and you’re facing difficulties with your insurance claim, don’t hesitate to seek professional help. Contact The Chopin Law Firm LLC to schedule a free consultation with our skilled storm damage insurance claim attorneys. Let us help you navigate the path to recovery by securing the compensation you rightfully deserve.

Contact Us For a Free Case Evaluation

Would you like to know more about your rights as a storm damage policyholder after your insurance provider denied, undervalued, or delayed your claim? You can start by dialing (504) 475-2429 and scheduling a free case evaluation with The Chopin Law Firm LLC. Our Louisiana storm damage lawyers can review the key details of your policy and any letters from your insurer to determine if you should be pursuing an appeal or lawsuit.

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