If you live in New Orleans, you are no stranger to the heartbreak and devastation of a hurricane. You are likely also no stranger to the frustration of receiving the compensation you need from insurers after a storm. Our New Orleans hurricane claim lawyers stand with you. We know you’re resilient, but you don’t have to take on this fight alone.
We Investigate Your Options for Compensation
Our team can pursue compensation for losses from the storm. The most obvious are ones related to your home, such as payment to repair or replace:
- Cracked or crumbled walls
- Broken doors or door frames
- Shattered or damaged windows
- Damage to or loss of roofs
- Collapsed or lost porches
Your coverage can apply not only to your main dwelling but also to additional buildings, like:
- Garages
- Sheds
- Guesthouses
- Pool houses
- Gazebos
Depending on your policy terms and the extent of the damage, you may need to completely rebuild parts of your home or other buildings. The more significant your losses, the more likely an insurance company will be to try to save money on your claim. We can combat these attempts.
Your Possessions Can Be Compensated Too
Losses to what was inside your home or storage areas can also be eligible for compensation, such as:
- Appliances
- Clothes
- Furniture
- Valuables
- Art and collectibles
- Vehicles
Once you are safe to do so, catalog what was lost to the storm, including potential estimates for items’ worth. We can also work with you and consult experts to determine the value of your lost possessions, which can give us a reference point when negotiating your compensation.
The Cause of Your Losses May Matter
Obviously, a hurricane caused your losses, but the type of damage done can dictate how and where you receive compensation.
For instance, your insurance company may parse whether the water damage in your home was due to a storm surge, wind carrying the rain, or a hole in your roof. As the Federal Emergency Management Agency (FEMA) highlights, most homeowners’ policies do not cover flooding, but if winds drive rain into your house or tear into your roof, allowing water to enter through the ceiling, your policy may cover it.
To you, what matters is receiving repairs, regardless of the specific aspect of the storm that caused it. Our hurricane claim lawyers can review your coverage, investigate the source of the water, and work to obtain the funds you need to make repairs to your New Orleans home.
We don’t Leave You in the Dark About Your Coverage Options
Technically, there isn’t a separate, straightforward hurricane insurance policy you can reference after a storm. You likely just have a homeowners insurance policy with specific coverage that kicks in after a natural disaster. Flood insurance is additional.
In Louisiana, some of your hurricane coverage may only be activated once a storm is declared a hurricane by the National Weather Service (R.S. 22 §1337). According to the Insurance Information Institute (III), hurricane strength is when winds reach 74 mph, at which point your hurricane deductible is activated.
A hurricane deductible tends to be two to five percent of your insured property value, according to the Louisiana Department of Insurance (LDI). That could mean you pay a lot out-of-pocket for home repairs before your insurance coverage takes over.
What does That Mean for You?
Our goal is to ease the financial and emotional burden of pursuing your hurricane claim. That includes determining what coverage you have and how to receive the compensation you are owed.
We can also help you if an insurance company tries to avoid paying you what you deserve based on your policy. That could include claims that:
- Your type of damage was not covered by homeowners insurance
- The hurricane-specific coverage in your policy does not apply to your claim
- Some of your losses existed before the storm and are not covered
- You did not take proper precautions to protect your home from storm losses
If you aren’t sure what your coverage is or whether your claim denial is legitimate, the Law Offices of Anidjar & Levine can evaluate your case for free. You may not be fluent in the nuances of insurance terminology and legalese, but we are. Leave it in our hands.
We Can Build a Case for Your Compensation
Hurricane claim lawyers like us can handle every aspect of the claim process for you after a New Orleans storm. We can confront everyday challenges as well as complicated case denials.
The Minutiae of Your Case
As you recover from this disaster, you may be focused only on day-to-day concerns, like making your home safe. Hurricane Ida resulted in some parts of New Orleans lacking power for almost a week, according to the National Oceanic and Atmospheric Administration (NOAA). In situations like that, you need support in even the smallest details.
For that reason, we try to streamline the process of getting help on your hurricane loss claim:
- We help you set up appointments and get repairs
- Initial consultations are free of charge
- You can contact your attorney directly at their phone number
- We offer regular updates on changes or progress
- You receive prompt responses to questions
If you’re feeling overwhelmed, tell us. We may not be able to solve problems like getting power back to your home, but we can do our best to alleviate other sources of stress during this difficult time.
The Big Battles of Your Claim
Even as we are in the trenches with you, we never lose sight of the big picture. Throughout our support in the everyday challenges, we also work on the important details that move your case forward, like:
- Preserving evidence of losses
- Compiling documentation and paperwork
- Adhering to deadlines
- Providing official statements
- Determining the value of your losses
Leave the big fights to us.
We Are Connected and Committed to New Orleans
Attorney Glen Levine graduated from Tulane University, and attorney Nicholas Basco graduated from Loyola University New Orleans, giving The Law Offices of Anidjar & Levine a close connection to Louisiana despite being based in Florida. We personally know what New Orleans residents like you suffer during storm season, and our hurricane claim lawyers are ready to help. Call today: 1-800-747-3733.
We Can Help.
