LOUISIANA

Does Your Homeowners Insurance Policy Have a Hurricane Deductible?

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Living in a hurricane-prone states like Louisiana means that homeowners must be particularly vigilant about their insurance coverage and policy details. One critical aspect that often catches homeowners by surprise is the hurricane deductible. This deductible, which is separate from a standard deductible, can significantly impact how much you pay out of pocket in the […]

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Good Faith, Bad Faith and Revised Louisiana Insurance Laws

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Earlier this year, Louisiana Governor Jeff Landry signed a series of insurance bills into law. In addition to repealing the state’s “three-year rule, newly signed Act No. 3 (formerly Senate Bill 323) introduces significant changes to how bad faith claims and insurance disputes are handled in Louisiana. The changes repeal certain provisions and add reciprocal duties of good faith

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What Louisiana Residents Need to Know About the Repeal of the “Three-Year Rule”

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In the wake of Hurricane Katrina, Louisiana lawmakers instituted what became known as the “three-year rule” in which insurers were barred from dropping a policy or raising its deductible after it had been renewed for three years. This law, unique to Louisiana, has recently been repealed.    Formerly House Bill 611, Louisiana Act No. 9 gradually relaxes

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Water Damage Prevention Tips for New Orleans Residents

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New Orleans, with its unique geography and frequent storms, means our homes here are particularly susceptible to water damage. Protecting our properties and belongings from flooding, storm surge and other water-related issues is a critical part of living in this city.  While water damage can be devastating, taking proactive steps can significantly reduce the risk of sustaining

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Don’t Make These Mistakes When Filing a Water Damage Insurance Claim in Louisiana

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Water damage can strike unexpectedly and wreak havoc on your home. Even an inch of standing water can lead to thousands of dollars in repairs. In Louisiana, where heavy rains and strong storms are common, homeowners often find themselves needing to file insurance claims for water damage; however, the process is complex. What’s more, making

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Do You Need Flood Insurance to Protect Against Storm Surge in Louisiana?

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Living in Louisiana means being well-acquainted with the risks posed by hurricanes and severe storms. Among these hazards are rising waters and storm surge. Unfortunately, as New Orleanians know all too well, storm surge is one of the most destructive natural forces with waters traveling several miles inland in the aftermath of a storm. Despite

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How do Public Adjusters and Attorneys Work Together on Your Louisiana Wind Damage Claim?

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Strong winds can rip off roofs with ease, but building back up is a much longer and more complex process. In a state like Louisiana, dealing with a wind damage claim takes effort and persistence, and often requires specialized knowledge and expertise. Both insurance law attorneys and public adjusters play critical roles in helping policyholders

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Should You Hire a Public Adjuster for Wind Damage in Louisiana?

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Hiring a public adjuster in Louisiana is not as ubiquitous of a practice as it is in other states. This is in part because until recently, property insurance companies in Louisiana were able to prevent their policyholders from doing so. That is no longer the case. Effective August 1, 2023, Senate Bill 156 was signed into law. The

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