If a tree falls on your house or building because of Tropical Storm Lee, you should make a claim with your own insurance regardless of whether the tree was growing on your property or another person’s property before the storm. Fortunately, you should not have to pay a hurricane deductible since Tropical Storm Lee is not a hurricane. Make sure to take photographs of the tree before removing it from the home. Furthermore, you should check for structural damage to your home as well as for any damage to your slab. Often times, a slab home will suffer cracks to the slab even to the opposite corner of the home.
While some longstanding State Farm policyholders may still have a fixed $500 deductible, most Gretna, LaPlace, New Orleans LaCombe, Slidell, Little Woods, Marrero and Bush Homeowners suffering structural damage due to the Spring Hail Storms and tornadoes will probably face a deductibles based upon a percentage of the structural policy limits instead of a fixed deductible of say $500. Homeowners, be careful as you might be shortchanged when the homeowners insurance adjuster refuses to pay your loss because “the damage is less than the percentage deductible”. The adjuster may have overlooked hidden structural damage or mold or may have miscalculated the cost of repair. Or the adjuster may even go as far as to try improperly exlcude covered damage under a policy provision. A Hale Damage Lawyer can assist you hiring professional to prove your claim, including engineers, mold and meteorological experts so that you can fully recover your damages, including your recoverable depreciation, debris removal costs and other damages. The Homeowners Insurer must pay the insured homeowners “a figure over which reasonable minds could not differ” within a timer period set by law or be subject to bad faith penalties.
Louisiana Insurance Laws are found primarily in Louisiana Revised Statutes Title 22. The laws are set forth as follows:
HD HAIL DAMAGED VEHICLE Indicates a motor vehicle has sustained cosmetic damages caused by hail and equivalent to seventy-five percent or more. Out-of-state titles reflecting water damage must also be shown on subsequent transactions. The hail damage code must be entered on the computer as “HD” which will brand the title “Hail Damaged”. It will become a permanent part of that vehicles’ history. If you need help with your Gretna, Louisiana hail insurance claim, call a Hail Damage Insurance Lawyer. Source: FlagCodes and Flag definitions -062010.pdf