Louisiana residents brace for the risk of hurricanes between June and November each year. Katrina and Ida remain on people’s minds, and while 2022 and 2023 have been mild, you need a Lafayette hurricane insurance claim lawyer by your side to:
- Negotiate with insurance companies that drag their feet
- Maximizes recovery by dealing with defense attorneys – not desk adjusters
- Bring estimators to court, if necessary
You can prepare for a hurricane – to some extent – but the aftermath is something homeowners never expect. If you’ve done everything right, paid your homeowner’s insurance premiums and a hurricane hits, you deserve an insurer who wants to get you back into your own home as quickly as possible.
Every dollar counts, and we’ll have your back to maximize your recovery.
Mr. Diiorio has recovered over $25 million for the 500+ policyholders that he’s represented since 2005.
Don’t let insurance companies delay your ability to return to a sense of normalcy following a hurricane.
Contact Gulf Coast Insurance Attorneys for a FREE consultation today.
Why Should You Hire a Hurricane Damage Attorney to Help You?
Hurricanes impact entire states and regions. Your life has been upended, and you deserve legal counsel that makes you a priority because insurers are inundated with policyholders filing claims.
Your home is damaged – or destroyed – and the last thing you want is to be another number.
Insurance companies do not want to give you the full value of your claim, and some don’t even want to pay out claims at all.
We recommend that you hire a Lafayette hurricane damage attorney who will:
- Review your insurance policy in-depth to know what your rights are under the policy
- Protect your rights by negotiating with defense attorneys and non-cooperative insurance adjusters
- Take charge of your claim so that you can focus on rebuilding your life rather than the stress of your claim
Negotiations in bad faith happen all the time after a hurricane. Insurance companies want to underpay, delay claims or refuse to pay. You’re already in a vulnerable position, dealing with the aftermath of a hurricane and trying to figure out your immediate living situation.
Lawyers will fight for you, pushing the insurer to pay out every dollar that you’re owed.
You don’t deal with insurance companies or defense attorneys daily. We do. As your lawyer, we’ll argue on your behalf, navigate damage disagreements and speed up your claim.
If you file a claim alone and decide to work with insurance companies on your own, you’ll quickly find out that while insurers are happy to take your payments, they will disagree on:
- Coverages
- Damages
A lawyer helps you return to your day-to-day routine while taking the burden off of you during this challenging time.
What Difference Can an Attorney Make to Your Hurricane Property Damage Claim?
Hurricanes cause billions of dollars worth of damage. Hurricane Katrina alone caused $195 billion in damages (adjusted for 2023 prices) and remains the costliest hurricane in history.
As your Lafayette hurricane damage attorney, we make a difference in your property damage claim in a few key ways because we:
- Evaluate your case to better understand the value of the damage that you sustained.
- Negotiate for top dollar and will know when an adjuster is trying to negotiate in bad faith.
- Appeal on your behalf if you disagree with the value of the damages and assessments.
In rare cases, we’ll have to bring in experts who will testify on the true cost of your damages. Only 1-in-10 of our cases go to trial, but we’re prepared to fight on your behalf if your claim cannot be settled out of court.
What Are the Types of Property Damage a Hurricane Can Cause?
In 2017, Hurricane Harvey caused more than $125 billion in damages. Many families lost their homes in the aftermath of this devastating storm. But it doesn’t take a massive storm to upend your life. Hurricanes of any magnitude can damage your home.
As a Lafayette hurricane insurance claim lawyer, we have helped homeowners file insurance claims for many different types of property damage, including:
- Total loss. Category 5 hurricanes can cause catastrophic damage that leads to total roof failure and wall collapse.
- Roof, windows and siding. The high winds of a hurricane can easily damage your home’s exterior. A category 1 hurricane has sustained winds of 74-95 mph, which is enough to damage your roof, shingles and gutters. Windows and siding may be damaged by debris.
- Interior damage and contents. Homes that suffer exterior damage may also suffer damage to their interior walls, flooring and doors. Consequently, the contents of the home may also be damaged or destroyed.
Hurricanes can cause significant damage and total losses to properties in the Gulf Coast region. Your homeowner’s insurance policy should help you make these repairs, but many insurers are more interested in paying out as little as possible in hurricane-related claims.
We can help you fight back.
How Can You Fight Back If Your Insurance Company Denies, Delays, Or Underpays Your Hurricane Claim?
If your insurance company has denied, delayed or underpaid your claim, a Lafayette hurricane insurance claim lawyer can help you understand your legal options and find the best path forward.
Hurricanes can cause catastrophic losses that leave you, as a homeowner, unsure of how you’ll pick up the pieces. Unfortunately, insurance companies fight to delay claims and short-change homeowners to protect their interests.
- If your claim has been denied, we can help you file an appeal. We’ll review your denial letter and gather evidence to support your appeal, which may include expert testimony, photos of property losses, invoices for repairs and other relevant evidence.
- If you’ve been underpaid or your claim has been excessively delayed, we may seek a bad faith claim to hold the insurance company accountable and fight for every penny that is owed to you. Under Louisiana Revised Statute Section 22:1973, insurance companies owe a duty of good faith and fair dealing to their insured.
If your insurance company has denied your claim, is dragging its feet or is offering less money than your claim is worth, contact Gulf Coast Insurance Attorneys today to schedule a free consultation.
Hiring A Lafayette Hurricane Claims Lawyer to Help You Move Forward
If your home has been damaged from a hurricane, Gulf Coast Insurance Attorneys is here to help. Our Lafayette hurricane insurance claim lawyer will explain your options, help you navigate the claims process and fight to make you whole.
We understand how stressful and overwhelmed you may be feeling. When a hurricane damages or destroys your home, it can turn your world upside down. Let us deal with the insurance company and the legal aspects of your claim, so you can focus on more important things.
Contact us today to schedule a free consultation.