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New Orleans Flood Insurance Claims

flood insurance

 

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.

Proof of Loss

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.

insurance claim

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

New Orleans Insurance Claim Lawyer Review

To describe the Lavis Law Firm as Amazing , would be an understatement! I was in an auto accident and even though the other person admitted fault, the insurance company still tried to escape full responsibility. My experience started off with his friendly phone staff . And one of the best parts is that I could speak to “HIM” personally ! He was attentive, thorough, informative, easy to talk to and extremely understanding. He was sure to keep in contact with me at every stage of the case, either by phone , email, even text. There was not one question unanswered or decision made regarding my case without a full explanation and my approval. He even offered to meet me at whatever location was easiest for me, including my home. I was referred to him and I definitely see why . From start to finish, he was a major advocate for me. I know that I was not his only client but he sure makes you feel like it . I HIGHLY RECOMMEND The Lavis Law Firm! I hope not to need an attorney again for anything but if I happen to, there’s only one number to call . I will forever be grateful for Mr. Charles Lavis.
Zyiesha M-C
July 2019 ⭐⭐⭐⭐⭐

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