With its close proximity to the Gulf of Mexico, Louisiana is a hurricane magnet. According to the National Weather Services (NWS), hurricanes make landfall with Louisiana approximately every 2.8 years. However, with changing global climate patterns, hurricanes have become more frequent. In 2020 alone, four hurricanes and one tropical storm hit Louisiana between June and October. As such, the number of Louisiana hurricane insurance claims has skyrocketed.
With insurance companies overwhelmed with claims and many using devious “deny, delay, defend” tactics, getting money from legitimate home and business owner Louisiana hurricane insurance claims is more difficult than ever. If you’re experiencing difficulty with your insurance company for a personal or business hurricane insurance claim, then give Mike Brandner Injury Attorneys a call. Our lawyers have extensive experience dealing with insurance companies and getting our clients the compensation that they deserve.
What Is Hurricane Insurance?
Most people have homeowners insurance or an umbrella policy to protect them from weather-related calamities. However, in coastal states, those policies may not protect them from hurricane damage. In those states, flood and windstorm insurance are often separate. In Louisiana, it’s fairly common for insurance policies to have “storm and hurricane deductibles,” while flood insurance is often separate.
Likewise, business owners may opt to pay for additional commercial flood and weather damage insurance in case of a natural disaster.
According to the National Oceanic and Atmospheric Administration (NOAA), “there have been 16 weather/climate disaster events with losses exceeding $1 billion each to affect the United States.” In Louisiana alone there has been billions of dollars in property damage and medical expenses due to hurricane-related injuries. With that in mind, you can see why hurricane insurance is a necessity for Louisiana residents.
Preparing Louisiana Home and Business Hurricane Insurance Claims
There are two important steps when it comes to filing Louisiana hurricane insurance claims. The first is performing a thorough review of your insurance policy. Having a good understanding of your policy can help you determine what kind of compensation you’re entitled to and a rough estimate of the monetary amount you can expect. The differences between personal insurance and business interruption insurance can be vast, so be sure to review your policy carefully.
If you’re confident that you have a legitimate claim then it’s essential to document your losses. You’ll need to take photos of any damaged property or store inventory. One common mistake people make is discarding damaged property; if possible, keep any property damaged by a hurricane, unless it poses a safety hazard. It could serve as valuable evidence to your claim.
If you were injured during or after a hurricane then you’ll need a comprehensive list of your medical records and expenses. Should your injuries require ongoing treatment, such as medication or physical therapy, then get an estimate of what those expenses will be from your medical provider.
The key is to provide as much indisputable information to your insurance company as possible. This is especially important for business owners trying to claim business interruption losses. Thorough records of past revenue must be provided in order to claim a loss.
Mike Brandner Can Help Get You the Compensation That You Deserve
Although you’ve been diligently paying your premiums on time, don’t expect reciprocal treatment from your insurance company. They can be challenging to deal with under the best circumstances. Insurance companies are profit-driven businesses and it benefits them to offer minimal payouts to their customers. Under the stress of a flood of Louisiana hurricane insurance claims, these companies can be even more difficult to deal with. This is when our team can help you.
Mike Brandner Injury Attorneys is committed to helping our clients get the compensation they deserve for injuries and property loss caused by a hurricane. Our team has a long history of successfully dealing with insurance companies and knows how to deal with their underhanded tactics. Our goal is to win you the highest compensation possible so that you can move on from the trauma caused by a hurricane. Our compassionate and knowledgeable attorneys are confident in their ability to assist you.
You can contact our team 24 hours a day, 7 days a week at the phone numbers listed below. If you prefer to reach us online, we offer encrypted contact form and LiveChat options. Don’t let the insurance company take advantage of you! Contact us today.