Are You Being Compensated Fairly for Your Hurricane Laura Insurance Claim?
On Aug. 27, 2020, Hurricane Laura struck the Lake Charles area with sustained winds of 150 mph, heavy rainfall, and a devastating storm surge. Hurricane Delta then hit on October 9, 2020. These hurricanes caused serious injuries, fatalities, and billions of dollars in property damage throughout the Louisiana coast. Homeowners in Lake Charles and throughout southern Louisiana are now having to pick up the pieces and must, unfortunately, have to deal with insurance companies who are not paying them the compensation they deserve. In some cases, insurers are even denying claims.
Is your insurance company not compensating you properly for your Hurricane Laura insurance claim? If so, the skilled and experienced attorneys at Veron, Bice, Palermo & Wilson, LLC can help. We have built a reputation for providing top-notch legal service and getting results for clients. We give each and every case the personalized attention it deserves. Our lawyers will work with you closely during your Hurricane Laura insurance claim case.
Veron, Bice, Palermo & Wilson, LLC has recovered full and fair compensation for clients who suffered losses due to hurricane damage, including repairs, interior damage, and structural damage. Whether you need help with making your initial claim, making additional claims, or you have been the victim of bad faith insurance, we are standing by. Our firm has had success in numerous insurance claims, even against large insurance corporations. Call now at 337-800-8800 to set up a free case review.
Common Hurricane Damages That May Be Covered
Your insurance policy may cover some of the following common types of hurricane damage:
- Roof damage: Strong winds put much force on a roof and create a lift pressure effect, resulting in tiles being torn off or parts of roofing coming off of the home.
- Structural damage: High winds can blow down trees, which may fall on your home. This can destroy sections of your walls, roof, or other structures.
- Broken windows: Broken windows are common during hurricanes. They can make the rest of your property susceptible to damage as rainwater and storm surges can easily pass through.
- Sliding glass doors: Winds can break the seal around sliding glass doors, which can also lead to severe water intrusion.
- Flooding: Powerful storm surges from the hurricane can lead to flooding.
- Moisture damage: The growth of mold and mildew is likely if water gets in the house.
- Door loss: Strong winds can cause doors to blow in or come off of their hinges.
- Garage door damage: Garage doors are especially susceptible to damage caused by winds.
- Damaged siding: Debris blown around during the storm can cause damage to your home’s siding.
If you have experienced any of these damages or other damages not listed, call Veron, Bice, Palermo & Wilson, LLC now for a free case evaluation.
Insurance Companies Do Not Want to Pay
Since Hurricane Laura, many insurance adjusters have denied claims. This is because insurance companies are for-profit businesses. They care more about their bottom line more than you, and withholding benefits is how they remain profitable.
When it is time to negotiate with an insurance adjuster, they will most likely offer a lowball settlement that doesn’t come close to covering all your hurricane damages. This is why it is critical to have an experienced lawyer on your side. An attorney will ensure the insurance company understands what you are entitled to and fight for the full compensation you deserve.
FAQs (Frequently Asked Questions) For Hurricane Insurance Claims
At Veron, Bice, Palermo & Wilson, LLC, we get plenty of questions from clients about our firm and their Hurricane Laura claims. Some of the most commonly asked questions include:
What do I do after the hurricane in regard to my claim?
Here are some of the essential steps you should take to protect your right to compensation:
- Mitigate property damage. If possible, board up broken windows and place a tarp where necessary. This can help prevent insurance companies from trying to argue that additional damage occurred after the fact.
- Take plenty of pictures and videos of the damaged areas. Include both property damage and personal items. Photos and videos will serve as critical evidence as they show the extent of the damages. Make sure you have pictures of your property before the storm for comparison.
- Create a list of all the items that were damaged.
- Keep a detailed record of your communication with the insurance adjuster.
- Save all important paperwork and receipts related to your claim.
When you access the damage and evaluate your claim with the skilled and experienced attorneys of Veron, Bice, Palermo & Wilson, LLC, we will help you understand all of your legal options. Allow us to fight for the compensation you deserve.
What does homeowners insurance cover?
Homeowners insurance coverage typically varies from policy to policy. However, in general, homeowners insurance policies cover:
- Repair costs for the home
- Repair or replacement of damaged personal property, such as appliances, clothes, and furniture
- Living expenses, such as temporary accommodation and medication
Homeowners insurance will cover damage caused by hurricane winds and rain. However, it will not cover flood damage. You will need to have special flood insurance coverage for that.
Should I talk with an insurance adjuster?
We advise our clients not to talk with insurance companies without a lawyer present. Insurance adjusters will often try to use your own words against you to reduce or deny your claim. Veron, Bice, Palermo & Wilson, LLC can handle all aspects of your Hurricane Laura claim, which includes handling all communication with the insurance companies.
How do I pay for your legal services?
Our attorneys receive a contingency fee based on the recovery we obtain for our clients that pays for all of our fees and costs. You will have no out-of-pocket expenses for the work we do on your Hurricane Laura case.
Public Insurance Adjuster Shares What You Should Know about Your Claim
The insurance claim attorneys of Veron, Bice, Palermo & Wilson, LLC sat down with Doug Morris, a public insurance adjuster, to find out what people need to know about their Hurricane Laura property damage claims.
Meet Doug Morris with Continental Adjusters, Inc.
How is actual cash value different from replacement cost?
No Two Policies Are Alike
What is business interuption coverage? When does it end?
When is a business or building determined to be a total loss?
What is coinsurance?
Should a business owner sign any settlement documents or waivers?
Tell us about your adjustment company and what you do for policyholders.
What tools do you use when you go out to a site?
What are some common problems policyholders have with their own adjuster?
How does your role differ from that of an insurance company’s adjuster?
What are the different scenarios and types of adjusters a client might see?
When should a policyholder expect a tender on the first time they meet with the adjuster?
Tell us about business interruption insurance and what experts you use to formulate those numbers and gather the data.
Tell us about the background of Continental Adjusters, Inc.
What is the timeline of a commercial claim?
How are cost, values, and materials estimated at a time where resources are limited?
Will the process take longer in the era of COVID?
How does prior damage get factored in with newer damage?
What should a client be prepared to give an adjuster when they first meet?
Policyholders are unaware that they could be entitled to more than they think.
What should I do after I get a property damage settlement from my insurance company?
What value does Continental Adjusters, Inc. bring to the policy holder during the insurance claim process?
How can you help homeowners who have no experience dealing with insurance companies?
Should I rely on the insurance company to identify the full extent of my damages?
Tell us about the value Continental Adjusters, Inc. brings to the table.
What are the variances between the expectations of the policy holder and the insurance company?
If Hurricane Laura caused losses and property damage, you should not have to fight your insurance company alone. Turn to Veron, Bice, Palermo & Wilson, LLC for guidance throughout your Hurricane Laura insurance claim. Our Lake Charles hurricane insurance lawyers have extensive experience successfully resolving claims throughout southern Louisiana. Call us now at 337-800-8800 to schedule a case evaluation. There is no fee unless we recover compensation on your behalf.