flood claim

October 22, 2021

Insurance Commissioner Announces New Hurricane Ida Mediation Program

It has been nearly two months since Hurricane Ida swept through southeast Louisiana leaving homeowners and business owners devastated. By now, many individuals have filed a claim with their insurance company to begin to recover for any losses.

As previously mentioned, homeowners typically have 180 days to file an insurance claim after a hurricane, unless the deadline is extended. Once submitted, the insurance company will review your claim and either deny or approve your claim. However, you may want to contact an attorney to protect your rights in the event that a disagreement arises between you and the insurance company. Disputes often arise between policy holders and the insurance company when a claim is denied, payments are being delayed, or the damages were undervalued and underpaid.

October 15, 2021

Important Deadlines For Hurricane Claims

by Cardone Law Firm

Once a storm passes and the sky begins to settle, reality kicks in. Many people are left with destruction and just want to get their lives back on track again. This usually means that individuals must start reaching out to their insurance company and file a claim for damages. So, what are the time limits to be mindful of when dealing with hurricane damage claims?

Generally, if an individual is unable to come to an agreement with their insurance company to cover their losses after a catastrophic event like Hurricane Ida, he or she has the right to file a lawsuit. According to La. R.S. 22:868(B), the lawsuit must be initiated within 24 months after the date of loss . Even if the matter is still in dispute with the insurance company, the lawsuit must be filed within two years from the date of damage.

September 17, 2021

Beware of Hurricane Ida Scams

by Cardone Law Firm

As if rebuilding and recovering after a natural disaster is not difficult enough, individuals must also beware of scammers looking to capitalize off of Hurricane Ida. Unfortunately, opportunists are looking for any way to take advantage of vulnerable people devastated by the storm. The biggest types of scams to watch out for are disaster charity relief scams, insurance scams, and FEMA imposters.

Disaster Charity Relief Scams. Whenever Americans see devastation in the U.S., many people feel inspired to help in any way that they can. Often times this includes donating money or supplies to hurricane relief organizations. However, fraudsters are always ready to take advantage of those giving back.

September 10, 2021

Will FEMA Pay for Any Uncovered Portion of your Homeowner’s Claim?

by Cardone Law Firm

On August 29, 2021, Hurricane Ida ripped through southeast Louisiana as a Category 4 storm causing mass destruction and leaving communities completely devastated. Ida’s powerful winds and heavy rain resulted in many Louisianians being left without power, water, and even homes.

After such a devastating storm like Hurricane Ida, Louisiana residents are eager to start rebuilding and resume normal life. Homeowners who carry private insurance should first file a claim with their insurance company for any disaster-caused damage.

August 15, 2016

Flood and Property Damage Checklist – How To Preserve Your Insurance Claim

by Cardone Law Firm

Our thoughts go out to all of those affected by the recent flooding in Louisiana. According to ABC News, over 30 inches of rain fell over the past weekend causing rivers across the state to rise to record levels. The Governor has declared a State of Emergency until September 10, 2016, unless terminated sooner. Unfortunately the flooding and rain has displaced families and taken a toll on local businesses. The most important concern is safety. But once you are safe, you are faced with a catastrophic loss that can take an emotional and economic toll on you. We have drafted this article to serve as a checklist to use when navigating the untoward waters of filing an insurance claim for flood and property damage:

Find a copy of your Flood Policy, Renters Policy, or Business Policy, including the Declaration Page which is the part of the policy that tells you the type and how much you have in coverage. It includes the name and address of the insurance company, with information about the issuing agent, and it includes the contact information for the correct department when making a claim. It also states what is insured, for how much, under which circumstances, and for how long. It is a great idea to store these insurance policies and any other important legal documents in a safe deposit box in a secure facility. This will insure they cannot be stolen or damaged.