If your home is damaged as a result of a hurricane, it’s critical that you are able to recover your losses. One of the best ways to do this is by filing a claim with your homeowners’ insurance company.
Depending on your policy and the circumstances of your case, there are different types of compensation that you may be able to recover to help pay for your hurricane damage-related losses. Here’s what you need to know:
Certain Losses Are Often Covered Under Your Homeowners’ Insurance Policy, No Matter What
In general, homeowners’ insurance typically covers the following items:
- Your dwelling
- Other structures on your property
- Personal property
- Liability for injuries or damage to someone else’s property
Regardless of your homeowners’ insurance add-ons, the following additional items should be covered under your policy, no matter what:
- Lost food due to spoilage as a result of electrical outages or damage from power surges related to storms
- Falling tree damage
You May Not Need An Additional “Flood” Policy to Cover Hurricane-Related Water Damage
Insurance companies often try to reduce the value of hurricane damage claims by stating that certain damages are not covered by your homeowners’ insurance policy. If you don’t have an additional flood policy, you should still be able to recover compensation for water-related damages, so long as they were caused by the hurricane. When it comes to hurricane-related flood damage, here’s what really matters:
- Your home’s location.
- Coast versus inland and the path of the storm.
- What caused the damage.
- Wind, wind-driven rain, trees or other falling objects, the source of any water that entered your home.
- The verbiage used in your policy.
- The particular language in your homeowners’ insurance policy specifically excluding flood damage.
- Louisiana state laws.
- The laws in Louisiana regarding insurance claims, contracts, and unfair business practices.
- Louisiana government officials.
- Whether or not the elected and appointed public officials in Louisiana are willing to pressure the insurance industry into fairly and promptly paying claims.
- How far you’re willing to go.
- How willing you are to do what is necessary to force your insurance company into fulfilling its promises to you and meet its obligations under Louisiana state laws. There are several reasons why the insurance adjuster may be incorrect when he or she says the damage to your home is excluded because it was caused by flooding.
If you’ve been treated unfairly by your homeowners’ insurance company, we’re here to help. Don’t delay—reach out with your questions right away.
To learn how we can help, contact our experienced team right away with the details of your case by calling (318) 707-0515 or filling out the online contact form.