No matter how big or small the claim, hurricane damage to your property can be a major setback financially and emotionally. Not only are you trying to get your home and life back in order after the storm, but you’re also dealing with your insurance company. If, after all this, you discover your claim was denied, frustration and anger will be ready to boil over. Rest assured, you still have options, and our legal team at Kandell, Kandell and Petrie is here to help.
Steps to Take if Your Hurricane Damage Claim is Denied in Louisiana
First, Review Your Policy
A denied insurance claim does not mean you should throw in the towel. On the contrary, you need to dig in to understand everything you can about the claims process and get help from an experienced insurance litigation attorney if needed.
Start by reviewing your homeowner’s insurance policy. Understanding the specifics of what is covered and what is not can provide clarity on why the claim was denied. For example, some policies require you to notify them of damage within a certain time period or have exclusions for specific types of damage. Pay close attention to the language, exclusions, and limitations outlined in your policy, as this can guide your next steps.
Request a Written Explanation from Your Insurance Company
If your claim was denied, be sure to get a written explanation of the denial. Sometimes claims are denied due to simple errors or misunderstandings. Getting clarification directly from the insurance company – and in writing! – can help address any discrepancies.
Contact an Attorney to Discuss Your Options
Denied insurance claims are commonplace, but in Louisiana, you have the right to appeal a denied insurance claim. Before doing so, you should consult a legal professional who specializes in insurance. A lawyer experienced in Louisiana’s insurance laws can provide valuable insight into your rights and options.
Many law firms, like ours, offer consultations to review denied claims and advise on the best course of action. In some cases, a strongly worded letter from an attorney is all it takes for an insurance company to fulfill its contractual obligations. In other cases, litigation becomes necessary.
The bottom line is you have options if your hurricane insurance claim is denied. Our team at Kandell, Kandell & Petrie is here to help you get relief if your insurance company tried to deny or underpay you for your claim. Contact us today to speak to one of our New Orleans-based claims advisors to discuss your questions and concerns.
