One thing that many policyholders don’t know is that a denial letter is not final.
Metairie, LA – Experts are already predicting that 2022 will be an above-average hurricane season in the United States, which is very bad news for residents of Louisiana as it follows the third most active hurricane season on record. . If you live in Louisiana, you need to be prepared for when disaster strikes. It’s not a question of if, but rather of when. If you want to avoid problems with your insurance company, you need to understand the terms of your policy and know what to do after a hurricane or major storm. If your claim is delayed, denied, or if the settlement the company is offering you does not meet your expectations, you should contact a Louisiana Hurricane Lawyers to help you negotiate with your insurer. Or even sue them if they act in bad faith, which happens more often than you might think.
How long after a hurricane can I file a claim?
By law, you have 180 days to file an insurance claim after a hurricane. However, the Louisiana Department of Insurance recommends that you notify your insurer as soon as possible.
Under state regulations, the insurance company has 30 days to settle your claim, but that’s not always the case. Once you notify them of your damage, the insurer is required to send an adjuster to your property to make an official report. When a major storm, like Hurricane Delta in 2020, makes landfall, insurance companies will be inundated with claims, so you can expect delays. Yet, if your request is met with unreasonable delays, you should contact knowledgeable people. Louisiana Insurance Claims Lawyers. If the adjuster doesn’t take your calls or your emails go unanswered, that’s a clear sign they’re stalling, and that’s something you shouldn’t allow. You have the right to get the money you need to rebuild or repair your home as soon as possible.
What should I do if my insurance claim is denied?
This can happen for a variety of reasons, some of which are justified, but many of which are illegal. The company should send you a letter explaining why your claim was denied and you should get a insurance claims lawyer to study it.
Many times a claim is denied based on the argument that the specific damage is not covered by your policy. For example, standard homeowners insurance does not cover flooding, which is a big deal for residents of Louisiana. If you live in a major flood zone, you must purchase additional coverage. However, in many cases adjusters deliberately misrepresent the damage to a property, claiming it was caused by flooding, which is not covered, instead of the wind and rain associated with the hurricane, which is overcast.
For example, if winds rip through the roof and flying debris shatters windows in your home, rain can cause significant damage. You know it, your neighbor knows it because he is in a similar situation, but the expert will just say that it was not rainwater, but a flood, so you don’t deserve money.
One thing that many policyholders don’t know is that a denial letter is not final. You don’t have to accept their verdict. Your lawyers will help you prepare an appeal and the insurance company is required to review your file. You may submit other documents to support your application. For example, you can hire an independent expert to assess the situation and decide whether the type of damage to your home is covered or not.
If you have a problem with your insurance company, schedule a free consultation with a reliable attorney at Houghtaling law firmLLC in Metairie, and let them help you deal with your insurer.