FAQs

Unfortunately, insurance companies often have the upper hand when it comes to settling a claim. Big insurance companies generally have superior expertise, financial resources, and negotiating strength in comparison to an injured individual, or a person who has had their home destroyed. Because of the disparity between an individual and an insurance company, most courts…

Many homeowner’s insurance policies have an anti-concurrent causation policy clause that can play a crucial role in the insurance claims process. For some, this clause has made the difference between a $150,000 payout and no settlement at all. If you live in a hurricane/flood area, it is imperative that you know whether your homeowner’s insurance…

As of April 2021, the Louisiana Department of Insurance had received 1,497 complaints concerning the three hurricanes that struck the state in 2020. The LDI has thus far recovered $41 million on behalf of consumers from hurricanes Laura, Zeta, and Delta. In January 2021 the most common grievance regarding these claims was claim delay. But…

If having your home damaged or destroyed by a hurricane was not enough, having your insurance company delay your claim can seem like the final straw. Having your hurricane insurance claim delayed can keep you and your family from moving forward after the hurricane.  You, of course, want to have your home repaired so you…

When you have gone through a natural disaster like a hurricane or flood, you depend on your insurance company to pay for repairs to your home, as well as other covered perils like loss of use. What you may not be counting on are exclusions in your insurance policy. If you have never read through…

In some cases, there may be a disagreement regarding your insurance company’s valuation of your claim for loss. Appraisal is yet another method of Alternative Dispute Resolution that you may find in your homeowners insurance policy. The language in your policy may state that either you or your insurer can ask for an appraisal. When…