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Flood Claims
If you have lived in South Louisiana for any period of time, it is likely that you have had to contend with high water at some point.
If you experience property damage as a result of flooding and your insurance carrier presents obstacles to obtaining compensation, it is easy to be left feeling uncertain about how to proceed. Fortunately, an experienced insurance claim attorney can help you navigate matters and is prepared to fight for the compensation you deserve.

How Flood Insurance Works

For people who live in an area of the country that floods with any frequency, it is likely that flood insurance is required.
Flood insurance typically covers damages to a home’s electrical system, plumbing system, carpeting, foundation, walls, and woodwork. It is not always the case, however, that flood insurance covers exterior damage or the growth of mold or mildew.
After flooding occurs, a homeowner is expected to immediately contact their insurance carrier to initiate a claim. An adjuster will then evaluate the extent of the damage.
Before becoming eligible to receive compensation, an insurance company must receive a claim within 60 days of the date of loss. It is a homeowner’s responsibility to make sure that a claim is filed quickly and accurately.
To support a flood claim, a person often must present evidence of damage through either a photograph or video. This documentation helps to establish the severity of a claim and provide an idea of the value of the damage.

Common Obstacles Involved with Flood Claims

When pursuing compensation via a flood claim, there are a number of challenges that commonly arise, which include the following:
  • Many flood policies are separate from condo, business, or homeowners’ insurance. Flood insurance policies are often made available through the National Flood Insurance Program. Due to the separate nature of these claims, it can be difficult to determine how exactly to file a flood claim.
  • Delays are very common when natural disasters are involved and large areas, as well as a countless number of properties, are affected. In these situations, insurance carrier workers, including claims adjusters, are often overwhelmed with claims.
  • Flood claims are sometimes denied. Often when denials occur, there is confusion about the language or coverage provided by an insurance policy.
  • Flood claims are particularly nuanced. Unfortunately, to make the matter proceed more quickly, flood claim holders often accept compensation that is less than they deserve.
  • Numerous policyholders are not aware that they have options when an insurance company acts unfairly or violate the terms of a policy. In these situations, an experienced insurance lawyer can help greatly.

Speak with an Experienced Flood Claim Lawyer Today

No matter the exact nature of your flood claim, it is important to understand that an experienced attorney who is familiar with insurance law will make sure that your rights are protected in pursuing compensation. Contact Hurricane Lawyer today by filling our online form or give us a call to schedule a free initial consultation.

Let us use our 26 years of experience to help your insurance claim

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