Know your legal rights when it comes to your hurricane property damage claim; do not let the insurance carriers take advantage of you. All too often, insurance carriers improperly adjust hurricane and other natural disaster property damage claims. If you are a victim of hurricane damage and feel that you have been underpaid or wrongfully denied coverage on your property damage claim, call or email The Voorhies Law Firm for a free case evaluation.
You should not rely exclusively on your insurance company’s appraiser’s adjustment of your property damage resulting from a hurricane or other casualty loss. You have the right to an independent appraisal to assess the value of your property damage, regardless of whether you have already received payment of insurance proceeds for your hurricane claim. Unfortunately, many insureds do not realize that even after payment has been issued by their insurance carrier under their homeowners insurance policy, they may still be entitled to additional compensation.
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It is also important for you to review and understand the different types of coverages offered under your particular homeowners insurance policy. Depending on your policy, you may be entitled to reimbursement for your additional living expenses (ALE coverage) and/or any monies expended as a result of your loss of use of the property caused by the hurricane or other storm damage. In addition, you may be entitled to full replacement value for your damaged property with no depreciation cost assessed, depending on the terms of your particular homeowners policy.
If your business is shut down or closed because of damage caused by a hurricane, you may also be entitled to damages under your policy’s business interruption coverage. Business interruption insurance typically covers the business losses sustained by an insured over the period of restoration. The restoration period is defined under the terms of the particular insurance policy at issue but usually is defined as the time in which it takes or should take an insured to repair his business back to pre-storm condition.
Finally, with regard to hurricane damage and other property damage claims, there is a limited amount of time to act. In most cases, Louisiana hurricane property damage claims must be brought within two years of the date of the event; but it is important that you consult an attorney about your specific claim and that you do not rely exclusively on this information, as it may vary on a case-by-case basis.
The Voorhies Law Firm has handled hurricane cases for families and businesses located throughout Louisiana. Whether your property damage claim occurs in New Orleans, Baton Rouge, Lafayette, Houma, Rayne, Crowley, or any other area in Louisiana, the Voorhies Law Firm can help.
After experiencing a hurricane that was catastrophic, you may not know where to begin. Reaching out to an attorney early on in the process can help put you on the right path.
A qualified hurricane damage attorney can help you in the following ways:
Call The Voorhies Law Firm today for a free consultation regarding your hurricane damage.
Whether in Morgan City, Lafayette, Houma, New Orleans, Baton Rouge, Franklin, New Iberia, or a low-lying area of Louisiana, The Voorhies Law Firm can help you prosecute your hurricane damage insurance claim. Don’t haggle with the home insurance company over your property damages resulting from hurricane damage.
Contact The Voorhies Law Firm to schedule your free case evaluation with one of our New Orleans experienced attorneys.