Did you experience any water leaks or wind damage associated with the recent Louisiana flood event? If so, make a claim on your homeowner’s insurance and let them know it’s not flood-related. You’ll also need to:
- Take pictures of your damage for documentation and as evidence of your claim.
- Search for a licensed contractor to assess your non-flood related damages.
- Make sure your contractor is licensed and insured.
- Hire a contractor to repair the damage to your home.
- Keep receipts of all items and/or services bought.
Once your home repairs are complete, fill out and submit a Proof of Loss to your insurance company. Provide as much documentation as you can of the work that was done to help the payment process go as smoothly as possible.
What to Do If Insurance Denies Your Louisiana Flood Claim
If an insurance company denies your valid Louisiana Flood claim, follow-up as soon as possible (in writing!) to get their reasons for denial. Hire your own private adjuster to provide an estimate so you can work to overcome the denial. Getting a second option may be beneficial to your case if you choose to take it to court later down the road.
Consider hiring an attorney to review your policy and reasons for denial. He or she can examine the evidence, take an in-depth look into the insurance company and the terms of your coverage and help you to determine whether you have a valid claim. If you do, consider filing suit against the insurance company within a year of the flood. After one year, your claim may no longer be eligible for compensation.
Make sure you filed your claims under the right policies, such as a personal umbrella policy, homeowners insurance or specific flood insurance. Above all, it’s important not to give up. There are many gray areas in the law, so check with a lawyer to ensure your insurance company is behaving ethically and within the bounds of its contracts.