Flood Insurance Claims

With frequent threats of rising rivers and storms in the springtime and Hurricanes in the summer, Louisiana residents are often faced with making flood insurance claims. There are several steps you can take to improve your chances of making a successful claim.  The first step is to make sure you purchase a separate flood insurance policy well before the flood occurs.  Most Homeowners’ policies do not cover flood damage.

If your home or business is flooded, immediately report the flood insurance claim to your insurance agent. The claim will be assigned to a flood adjuster who will meet with you at the property.

Your official claim for damages is called a Proof of Loss. The Proof of Loss must be fully completed, signed, and in the hands of your insurance company within 60 days after the loss occurs.

You are responsible for making sure the Proof of Loss is accurately completed and timely filed. FEMA may offer a Proof of Loss extension in cases of severe flooding in your area. Extensions of time to file will be posted on the FEMA website and announced by the news media.

To prove the insurance company has received the Proof of Loss, you should probably mail it U.S. Certified Mail-Return Receipt Requested. Of course, keep a copy of the Proof of Loss and supporting documents for your records.

To support your claim for flood damage, be sure to photograph and/or videotape both the inside and outside of the premises (both structure and content) to show any damage, flooding, and any evidence of the height of the water.

When preparing to make structural damage repairs, make sure to obtain estimates by competent, qualified licensed contractors. On your contents claim, don’t guess the value or quantity of your contents. Use the photographs to refresh your memory and to help thoroughly itemize the requested information on your content list.

If you need help with preparing your flood insurance claim, your supplement claim, or with filing a lawsuit against your flood insurer, please call me at 866-558-9151 or submit your inquiry online. Please be advised that you may be facing important legal deadlines, so don’t delay.

For a Proof of Loss, SEE FEMA_Form_086-0-9

Additional Resources

  1. NFIP Adjuster Claims Manual (Part 1)
  2. NFIP Adjuster Claims Manual (Part 2)
  3. NFIP Adjuster Claims Manual (Part 3)
  4. NFIP Adjuster Claims Manual (Part 3 Addendum)
  5. NFIP Adjuster Claims Manual (Part 4)

 

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My homeowner’s carrier was not willing to pay me for damages sustained to my home by Hurricane Katrina. I contacted Mr. Lavis after seeing an advertisement. After meeting with him and discussing my problem, he helped me to get the monies I deserved from my insurance company. I would recommend Charles Lavis to anyone having problems with their insurance company. Thank you Charles for all your help.

Edile Rochon
Homeowner, New Orleans

I sought the services of Attorney Charles Lavis because I was getting nowhere with my homeowner’s insurance company. It had been approximately six months since the Hurricane and they were basically shuffling by case from adjuster to adjuster. After securing the services of Mr. Lavis, I received my settlement within weeks. I was/am very pleased with his efficiency of service and professionalism. I have already recommended him to family members who are going through the same ordeal. I am reassured knowing that there is an attorney that I can turn to in times of need.

Nia Vaughn
Homeowner, New Orleans

Mr. Lavis worked diligently on our case. He came out to our home, took pictures, and made contact with the insurance company that had subsequently become so elusive to us. He stayed in contact with us during our ordeal, giving us a series of phone numbers to contact him. Copies of all information that pertained to our particular case, along with a sufficient explanation, were always ready-made. But most importantly, the results were exceptional. Because of Mr. Lavis’ representation, as well as his personal involvement, my husband and I received a substantial amount for home repairs, a figure that was neither offered nor considered by our insurance company.

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