Skilled Homeowner Insurance Claims Lawyers in Louisiana
At The Minias Law Firm, our homeowner insurance claims attorneys in Louisiana know that the valuable protection your policy provides delivers peace of mind when it is not in use. We also know that the State of Louisiana has one of the highest homeowner insurance premiums in the United States. So, whether you pay your premium monthly, semi-annually, or annually, the price of coverage is more than a nominal expense.
Paying your homeowner insurance premium in Louisiana should provide the confidence you need to pursue a claim when damage occurs to your home or property after a hurricane, flooding, fire, or another unforeseen form of chaos. The reality is when it is actually time to file a claim, homeowners are faced with intense obstacles and unreasonable requests from the insurance company before repayment is even considered. You deserve more, and our Homeowner Insurance Claims Lawyers in Louisiana can help you pursue the financial recovery you deserve from your insurance provider.
What Are The Most Common Homeowner Insurance Claims In Louisiana?
Damage from hurricanes, severe storms, or lightning can impact our Louisiana community throughout the year, leading to extensive and uncontrollable homeowner claims.
Our homeowner insurance claims Lawyers in Louisiana know that you pay your insurance premium on time to ensure you get the coverage you deserve when your home sustains:
- Damage due to vehicles
- Electrical current damage
- Fire or smoke damage
- Flooding
- Foundation or structural damage
- Liability claims for dog bites or personal injuries that occur on your property
- Mold damage
- Non-weather-related water damage including water heater, plumbing or HVAC overflow
- Property damage from falling or flying objects
- Roof, window, or exterior damage
- Sinkhole damage
- Theft
- Vandalism or intentional damage
- Wind and hail damage
Homeowner’s insurance is designed to protect you, your family, and your property from the unknown dangers that can leave your home partially damaged – or completely lost. When your homeowner’s insurance company is delaying payment, issuing a partial or unfair payment, or is rejecting your claim altogether, you are going to need help pursuing the financial recovery you deserve. The homeowner claims lawyers at The Minias Law Firm,in Louisiana will aggressively represent you during financial negotiations or in a courtroom to pursue the outcome you deserve.
How Frequently Are Homeowner Claims Submitted Each Year?
Each year, each state and each policy holder’s overall insurance claims will differ, especially in Louisiana. Hurricanes and other natural disasters like sinkholes and hail storms that surprise our community throughout the year can lead to costly damage. This is exactly why insurance exists, so we are prepared for the worst and protected from the fallout.
According to the Insurance Information Institute, throughout the U.S. approximately:
- One in 15 insured homes file a claim each year
- One in 40 insured homes has wind or hail damage claim to each year
- One in 50 insured homes has water damage claims each year
- One in 250 insured homes have theft damage claims each year
- One in 325 insured homes have a fire and lightning damage claim
- One in 750 homeowners’ policies has a liability claim related to the cost of lawsuits for bodily injury or property damage that the policyholder or family members cause to others
Our Louisiana insurance claims attorneys know that you have coverage to protect your best interests if or when something goes wrong.
The bigger question is, will your insurance company be there to provide the financial support you need as it is outlined in your policy?
Why Would My Louisiana Insurance Company Refuse To Pay My Homeowner Claim?
Insurance companies collect tens of billions of dollars each year on homeowner policies alone. The cost of your coverage and your prompt payments lead to the assumption that when you need them, your insurance provider is going to step up and pay your claim.
While that would be a reasonable expectation, it is often a misconception. Insurance companies profit from your premiums, and increase their revenue by rejecting claims outright, or partially paying for the damage your home endured because they can.
Insurance company representatives have the power of a large corporation, bureaucracy, and in-house attorneys behind them 24/7 that are no match for the average consumer.
The small print of your policy and the paperwork necessary to appease the insurance company claim processes is overwhelming and exhausting, which is exactly how they want it. You will tire of fighting before they do. And they are counting on that being the case.
Whether you are assessing your home’s damage to pursue a claim, or have already received a rejection letter from the insurance company, our experienced Louisiana insurance claims Lawyers will help you pursue the financial recovery that is rightfully yours simply by scheduling a free consultation now.
Contact our skilled Homeowner Insurance Attorneys at The Minias Law Firm today by calling (504) 777-7LAW to learn how we can help you hold your insurance company accountable for the financial protection that is outlined in your contractual agreement.
The Minias Law Firm is a Homeowner Insurance Claim law firm in the Louisiana, serving New Orleans, Harvey, Metairie and Baton Rouge. Our New Orleans, Harvey, Metairie and Baton Rouge comfortable environment. Call our law firm now to learn how our New Orleans, Harvey, Metairie and Baton Rouge Homeowner Insurance claim attorney can help you confront the insurance company for the financial recovery you deserve.