Don’t accept the denial or the low offer as final. Gather your policy, your claim correspondence, and any photos of the damage, and get a free review before you sign anything or cash a settlement check. Once you accept a payment or miss a deadline, your options can narrow quickly — an early review costs you nothing and protects your rights.

We handle hurricane claims on a contingency-fee basis, which means you pay no attorney’s fee unless we recover money for you. Fees and costs are explained clearly and agreed to up front, so there are no surprises. Your first consultation and case review are always free.

Deadlines are strict, and there is more than one. Your policy imposes short deadlines for giving notice and submitting a “proof of loss,” and Louisiana law sets a separate deadline for filing a lawsuit on a storm claim — and those legal deadlines have changed in recent years. Because missing any one of them can bar your claim entirely, the safest step is to call us as soon as possible rather than relying on a general timeframe.

Many Louisiana policies apply a special “hurricane” or “named-storm” deductible calculated as a percentage of your home’s insured value rather than a flat dollar amount, so it is often much larger than your standard deductible. It’s important to know which deductible applies, because insurers sometimes apply the higher one incorrectly. We review your policy to make sure the right deductible — and the right coverage — is applied.

Be cautious. A first offer is frequently far less than what it actually costs to repair your home, replace your belongings, and cover your living or business expenses — and accepting it may release the insurer from paying more. Before you agree to any figure, let us evaluate whether it reflects the full value of your loss.

Louisiana law requires your insurer to handle and pay your claim fairly and on time. When a company delays without justification, refuses to pay amounts clearly owed, or fails to respond, it may be acting in “bad faith,” which can expose it to penalties and additional damages on top of what it owes on the claim. We know these tactics and how to hold insurers accountable for them.

Depending on your policy, recovery can include physical damage to your home or building, damage to and replacement of your contents, additional living expenses while you’re displaced, and — for businesses — lost income through a business interruption claim. If you have disaster mortgage protection, there may be mortgage-related benefits as well. We identify every category of coverage you’re entitled to so nothing is left on the table.

Yes. Wind and flood damage are usually covered by separate policies, and insurers often try to shift damage into the “other” policy to reduce what they pay. We handle both wind and flood claims and make sure your losses are properly attributed so you recover everything you’re owed under each policy.

Yes. If you don’t have a copy of your policy, we can help you obtain one from your insurer or agent. And while it’s always best to document damage before repairs, we regularly build strong claims using photos, receipts, contractor estimates, and expert inspections even after work has begun.

Every claim is different, but many are resolved through negotiation or appraisal without a lengthy court fight, and some clients receive settlements within weeks once we get involved. Where an insurer refuses to pay fairly, we’re prepared to file suit or demand appraisal. We balance moving quickly with doing the job thoroughly and correctly.

We represent homeowners and businesses across New Orleans, Baton Rouge, and Southern Louisiana, and we’ve handled claims from Hurricanes Katrina, Rita, Gustav, Ike, Ida, Laura, and Francine. If your property was damaged by a hurricane and your insurer isn’t treating you fairly, we’d like to help.