Insurance companies are known for their lowball settlement offers.
The insurance company will likely use many stalling tactics during the negotiation process. They are trying to delay and frustrate you to get you to give up and sign a low settlement offer. You should not give in to these tactics.
You did the right thing and paid your insurance bill month after month, year after year.
You deserve full payment to completely repair your home.
No one wants to sue, but if you are not getting anywhere with the insurance company, it may be your best option.
Our insurance attorneys take your claim from ‘stalled’ to ‘paid.’
A qualified insurance claim attorney can help you navigate the negotiation process and ensure that you are getting a fair settlement from your insurance company.
An attorney can assess the damages you have suffered and negotiate on your behalf to get you the compensation that you deserve.
If an insurance company is found to have violated Louisiana’s laws and acted in “bad faith,” it can be forced to pay financial penalties of 50% of the amount owed to the insured on top of the damages originally owed on your claim. The insurance company must also pay the attorneys’ fees of the policyholder it wronged.
Whether you need help filing an initial claim, battling for a higher settlement offer, or taking legal action against your insurance company for bad faith, an experienced insurance claim attorney can help.
How Do You Fight an Insurance Claim?
If the homeowners' insurance company is delaying your payments, acting in bad faith, or if there is a big difference between the amount that the insurance company is offering you and the value of your claim, then you should talk to a law firm experienced in homeowner's or flood insurance claims for a case evaluation.
You may be able to file a lawsuit against your home insurance company if it has acted in bad faith or has violated Louisiana’s Insurance Code. This is not something that can be done by a public adjuster. You will need to hire a lawyer to get the full amount of money that you are due for your property claim.
An experienced insurance claims lawyer can help you understand your legal rights and options.
Our insurance claim attorneys are here to help you receive the full and fair settlement you are entitled to under your policy. Our goal in every case is to get you the money you need to repair and rebuild.
Do I need an Insurance Claim Attorney or a Public Adjuster?
A public adjuster is better suited to work with homeowners earlier in the process than attorneys. It can be reassuring to have someone working with you at that early point as the claim process can be confusing and frustrating.
Public adjusters are usually able to quantify your claim and submit an estimate to your insurance company.
If the insurance company continues to deny a claim for supplemental payment and you come to a standstill with your insurance company, a public adjuster cannot file suit. In that unfortunate case, you will find yourself paying for the adjuster and an attorney.
If the insurance company has acted in bad faith, an attorney can also fight for bad faith penalties that you may be entitled to including attorney's fees. The public adjuster has no power to enforce bad faith against insurance companies for the denial, delay, or underpayment of your hurricane Ida insurance claim. Bad faith penalties are a powerful negotiating tool available to attorneys.
I will always give my honest opinion of your situation. If you don’t need to hire a hurricane damage lawyer yet, I will let you know.
Types of Insurance Claims We Handle
- Hurricane Insurance Claims
- Bad Faith Insurance Claims
- Homeowner's Property Insurance Claims
- Wind and Hail Damage Insurance Claims
- Low Insurance Settlement Offers
- Business Interruption Insurance Claims
Our insurance lawyers are here to help you recover the money that you paid for when you need it the most.
We can help with homeowner's insurance claims against
- Allied Trust
- American National
- Dover Bay
- The Hartford
- Lloyd's of London
- Louisiana Citizens
- Maison / FedNat
- Southern Fidelity / Capitol Preferred
- State Farm
- Occidental Fire & Casualty
- Ocean Harbor
- Progressive Home
- And more
The insurance claim process can be confusing and frustrating, but you are not alone.
Let us help you get the money you rightfully deserve.
You have so many battles to fight right now.
- Where are you going to live for the next few months to a year (or longer, but hopefully not) while your house is being repaired?
- Finding a contractor AND getting them to show up regularly
- Picking fixtures, paint colors, flooring, and everything else
- Trying to order furniture without knowing how long shipping delays will be or when your house will be done. How do you even coordinate that?
- How will you pay for all of this as you go when the mortgage company is only releasing funds when you can prove the work is complete?
And on top of that, you’re worried that insurance won’t even cover it all. They keep switching adjusters on you and then the new one wants you to resubmit all of the information you already sent in. This fight feels like this is turning out to be a full-time job in itself.
No one should have to go through the insurance dispute process alone.
The insurance company has its adjusters, investigators, and lawyers. You should too.