As storm season in Florida comes to a close, the next few months are opportune times to have your property reinspected for damage. Regardless of the age or condition of your home, getting fresh images and documentation related to the state of your roof and property’s exterior can prove invaluable if and when you do
Why You Should Get a Property Inspection Now Read More »
Lurking beneath the shadows of your insurance policy are many rules and restrictions. Unless you are reviewing your homeowners policy carefully, you may be unaware of some of these details until you go to file an insurance claim and then are faced with an unwelcome surprise. One such area has to do with deductibles. What
Do Wind and Hail Deductibles Apply in Louisiana? Read More »
Wind damage is an all-too-common reality for Florida homeowners. From powerful hurricanes to severe thunderstorms, high winds can wreak havoc on roofs, windows, and other parts of your property. When this happens, your first instinct might be to contact your insurance company. However, the most critical first step is often overlooked: calling an attorney. Here’s
Experience Wind Damage to Your Florida Home? Step One: Call an Attorney Read More »
For those of us who live in Louisiana, we know it’s not uncommon to be hit with multiple damaging storms in a single season. If you have to pay your named-storm or hurricane deductible for each insurance claim you make in a single season, you could quickly go broke. To that end, states like Louisiana have enacted laws
What to Know About Louisiana’s Single Deductible Statute Read More »
Insurance policies in Florida may have several different deductibles depending on your coverage. It’s important to review your policy terms carefully to understand your financial obligations as certain deductibles can set you back significantly, especially if you aren’t prepared. Deductibles like named-storm deductiblesand wind and hail deductibles can be particularly confusing to homeowners in Florida. Here
What is a Wind and Hail Deductible? Read More »
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
Does Your Homeowners Insurance Policy Have a Hurricane Deductible? Read More »
Some homeowner’s insurance policies in Florida (and other states like Louisiana as well) have what’s called a named-storm deductible. This type of deductible differs from the standard deductible found in your policy. Rather, it only applies when you file an insurance claim for damage caused by storms that have been officially named by the National
What is a Named-Storm Deductible? Read More »
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
Good Faith, Bad Faith and Revised Louisiana Insurance Laws Read More »
As if homeowners insurance companies in Florida didn’t have enough reasons to deny a wind damage claim… Unfortunately, when a named storm makes landfall, insurance providers have come up with yet another one. A History of Claim Denials and Underpayment When a named storm hits Florida, not only does it bring severe weather and property damage
What a Named Storm Could Mean for Your Wind Damage Claim Read More »
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
What Louisiana Residents Need to Know About the Repeal of the “Three-Year Rule” Read More »
