Understanding who pays when damage has been done to your home in Louisiana is important when sorting out damage claims. If you have been the victim of a hurricane, ensuring your safety is the top priority. It is essential to stay clear of any building if you smell gas, if water remains around or in the building, if the building has any damage structurally, or if the authorities have not declared it safe.
Understanding Insurance Coverage for Hurricane Damage
Understanding your insurance coverage when it comes to hurricane damage will help you when trying to navigate the process of filing your claim. Most homeowner’s insurance policies will cover wind damage caused by hurricanes, but it is important to understand that there may be some limitations.
For example, you might face a higher deductible for hurricane damage specifically for hurricane related damages, or even a specific exclusion for wind damage. This is why it is very important to understand the details of your policy before any hurricane-related damage happens to your home.
Another thing to keep in mind is that you usually have a short window of time to file your hurricane damage claim. You have at least 180 days after the hurricane, or if a declared state of emergency, to submit your claim. If you miss that deadline, you might lose your chance of getting compensation or even reimbursement altogether.
The clock typically begins only once you have been allowed back to your property. This law was put into place after several severe storms kept people from being able to go home for long periods of time, causing their claim deadlines to expire unfairly.
If when filing your hurricane damage claim you run into complications, contacting a hurricane attorney in Louisiana can help support you through the process. An attorney can help you understand your policy’s limitations, help you through the filing process, and unsure your rights are protected. They can assist you in settling disputes with your insurance company.
Steps to Take Following Hurricane Damage
The first thing you should do before anything else is ensuring you and your family are safe. Once you have ensured you’re safe, knowing what to do when you have hurricane damage in your home can make a big difference when filing your damage claim. A few steps you can take include:
- Document Damages
- Prevent Further Damages
- Create Detailed List of Damages
- Contacting Insurance Provider
- Speak With an Attorney
By following these steps, you’ll set yourself up for a smoother filing process. Remembering to keep detailed records and knowing the details of your insurance policy will ensure you receive the compensation you deserve. If you worry about encountering issues with your claim, contacting Louisiana hurricane damage claims attorneys, such as Lavis Law Firm Personal Injury & Car Accident Attorney, can help you protect your rights and receive the compensation or reimbursement you deserve.
Ensure You Are Covered for the Next Storm
Homeowner’s insurance generally covers hurricane wind damage, but there may be higher deductibles or specific exclusions for wind. It’s crucial to understand your policy before a storm hits and file claims within 180 days after the hurricane or declared emergency. The clock for filing only starts once you’re allowed back home. Document damages, prevent further harm, and contact your insurer quickly. If you face issues with your claim, consulting an attorney can help protect your rights and ensure proper compensation.
