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Homeowners Insurance Claim Property Damage Checklist

The Voorhies Law Firm has provided the below information so that insureds can increase their chances of being fairly and accurately compensated by their insurance carriers for all property damage losses sustained as a result of hurricane, fire, wind, hail, flood, tornado or other casualty loss. These preventative measures should be implemented following any property damage insurance claim.

  1. Obtain a copy of your homeowner’s insurance policy and review it in detail. In particular, review your declaration page and understand both the types of coverage and the coverage limits that are associated with your respective insurance policy. For example, check to see if you have a business interruption, additional living expenses coverage, etc. 
  2. Document all property damage by taking pictures, notes and any other means by which you can produce information to the insurance carrier, showing the extent of property damage sustained. 
  3. Keep a timeline of pertinent events; write down the date on which you first contacted your insurer to file a claim; note the first date that your insurance company sent an appraiser to survey your property; the date on which payment for your loss was first tendered; and note all other potentially relevant dates concerning your property damage claim. 
  4. Save all receipts, estimates, invoices, and bids related to the repair work or replacement costs expended as a result of your property damage claim. Depending on your particular insurance policy, you may be entitled to compensation for additional living expenses that you incurred as a result of the property damage claim, so save all receipts relating to any expenses you incur as a result of the loss. 
  5. Contact an experienced and knowledgeable attorney who handles insurance disputes arising out of property damage claims. Under Louisiana law, your insurance company is obligated to timely and properly adjust your property damage claim, so do not accept anything less.

Call or email The Voorhies Law Firm today for a free consultation regarding your property damage claim and find out definitively whether your insurance carrier is acting in good faith pursuant to the terms of your insurance policy. Once The Voorhies Law Firm has had the opportunity to evaluate your property damage claim, it can accurately assess the prospective amount of compensation that you may be entitled to under your insurance policy. Call today and gain the peace of mind of knowing whether your insurance carrier is properly handling your property dispute claim.

The Voorhies Law Firm has handled cases for families and businesses located throughout Louisiana, including those arising out of casualty loss or business interruption. From claims involving property damage caused by a hurricane, fire or tornado to those stemming from an economic loss sustained as a result of the BP oil spill, The Voorhies Law Firm has the case management paradigm in place to ensure that your financial interests are adequately protected going forward.