Hurricane Laura made history in August 2020 as one of the most powerful storms to make landfall in United States history. As a result, thousands of people in Louisiana suffered damage to their homes and businesses. While Hurricane Laura relief efforts are underway to provide displaced residents with essential items, the process to rebuild is only just beginning.
For many home and business owners in Lake Charles, the next step is filing a Hurricane Laura insurance claim. But as more and more claims are filed, insurance companies may become overwhelmed and begin wrongfully denying claims.
To avoid having your hurricane insurance claim denied, you should carefully review your insurance policy before submitting your claim. Mike Brandner Injury Attorneys is offering free insurance policy reviews for businesses, homes, and cars alike during this turbulent time to help victims of Hurricane Laura get the compensation they need as quickly as possible. Find out everything you need to know about disaster-related insurance claim disputes below.
Reviewing Your Insurance Policy
Before you file a claim, you should do your due diligence by obtaining a copy of your insurance policy in its entirety and reviewing it from top to bottom. Whether you’re looking at business interruption insurance, a homeowner’s insurance policy, a comprehensive auto insurance policy, or commercial property insurance, understanding what your policy does and does not cover is crucial.
In addition, reviewing your policy will help you determine how quickly you need to act in notifying your insurance carrier and exactly what kind of evidence or documentation you’ll need to establish a valid claim within certain deadlines.
While an insurance broker or representative may be able to help you understand some of the complexities of your policy, you shouldn’t rely on them to always have your best interest in mind. For a truly unbiased and comprehensive review of your policy, consider consulting a Lake Charles lawyer who has experience dealing with insurance companies and their often deceptive “deny, delay, defend” tactics.
Documenting Hurricane Losses
When it comes to your Hurricane Laura insurance claim, documentation of the physical damage to your car, home, or business sustained is paramount. Before you begin the clean up process, you should take as many photographs as possible once the scene is safe. As we point out in our post-hurricane safety tips guide, heavy structural damage, flooding, or downed power lines can result in injuries due to building collapse or accidental electrocution.
If you own a small business, be sure to also document physical inventory that has been rendered unusable due to the hurricane, as you may be able to include them in your claim. In addition to taking photos, take notes to help you remember which actions have been taken to clear away debris, restore power, etc. It is especially important to keep track of the costs and efforts of professionals you’ve hired to facilitate clean up or repairs.
Try to avoid throwing damaged items away unless they are a safety hazard, since some insurance carriers may require you to salvage as much damaged property as possible for reimbursement. Also be sure to mitigate as much further damage as possible (i.e., drying out flooded areas as soon as possible to prevent mold).
If you are filing a business interruption claim, be sure to have all your financial records in order to accurately reflect your non-physical losses related to the hurricane.
Getting the Compensation You Deserve
It’s a story we’ve heard time and time again—a loyal customer who always pays their premiums on time and who has submitted all the correct documentation within the expected timeframe has their hurricane insurance claim denied by their home, auto, or business insurance policy. Or the insurance company offers compensation far below the actual cost of the damage.
If your home, car, or business has been damaged because of Hurricane Laura, you deserve access to every resource available so that you can begin the process of rebuilding and recovery as quickly as possible.
That’s why the Hurricane Laura insurance claim lawyers at Mike Brandner Injury Attorneys are available around the clock to begin helping victims of the hurricane as promptly and professionally as possible. We’re more than familiar with how insurance companies operate, with a proven track record of successfully taking down major corporations for bad faith insurance claims.
Whether you’re already in the throes of contesting a denied claim or just want a better understanding of your insurance policy, we offer complimentary consultations to help you understand all your legal options. Call us today at any of the numbers listed below, get in touch with a LiveChat agent online, or send us a brief message about your case for a free case review.
Our case results and outstanding client reviews speak for themselves. Contact Mike Brandner Injury Attorneys today to see how we can help you get your life back on track after the devastation of Hurricane Laura.