If you are a victim of Hurricane Ida, you may wonder when to file a hurricane claim with insurance. While the “when” is undoubtedly important, you may soon see that getting the insurance company to pay the full amount of your claim can be a tricky proposition. The majority of property owners that file an insurance claim for hurricane property damage will get paid something.
Unfortunately, that something may not even come close to fully paying for the damage and destruction. Insurance companies are true masters at paying just enough of the claim to leave their customers mostly satisfied—while saving themselves millions of dollars. Most of those who receive a barely acceptable settlement either figure the company knows what the claim is worth better than they do—or they are simply exhausted from the aftermath of having their home damaged or destroyed and don’t have the will to fight with their insurer.
These tactics, commonly employed by insurance companies, add millions of dollars to their bottom line each year. Insurance companies are well aware that only a small fraction of underpaid claims will ever be disputed. They also know that even if they eventually pay a majority of those few disputed claims, they will still come out ahead. In short, insurance companies routinely make maximum levels of profit at the expense of those they insure.
Attorney Peter Diiorio at New Orleans Legal, LLC, wants to help you through this difficult time. We know you have so many things to deal with right now—and forcing your insurance company to do the right thing—what they promised to do—shouldn’t be one of those things. We can take this burden from your shoulders, dealing aggressively with your insurance company to ensure you are paid exactly what your claim is worth on time.
How Long Do I Have to File with Insurance Following a Hurricane?
Over the past few years, Louisiana has been hit time after time by devastating hurricanes, and 2021 was no different. You may now be dealing with the aftermath of Hurricane Ida, wondering how long you have to file a claim with your insurance company. Unfortunately, the process is not as simple as you might think—or as simple as it should be. Statutes of limitations are in place for many different things, such as civil lawsuits, as well as how long you have to file a hurricane claim or bring legal action against your insurance company.
Statutes of limitations vary significantly from state to state; in Louisiana, when these catastrophic events occur, those who own property have a minimum of 180 days to file a claim, beginning from the time the hurricane hit and the damage occurred. Louisiana residents whose property was damaged by Hurricane Ida on August 29, 2021, have until the end of February to file their hurricane damage claim. Even so, it is never a good idea to wait, and you should start the recovery process as quickly as possible.
Can the Deadline for Hurricane Property Damage Be Extended?
In some cases, the 180-day deadline can potentially be extended. For example, if city officials have denied you access to your property after a state of emergency has been issued, you may be allowed more time to get the photos and paperwork you need together and get your claim filed for Hurricane Ida damage to your home. In this process, having a local hurricane damage claims attorney by your side can make a significant difference in how much and how quickly you will be paid for the damage to your home.
Your Attorney Knows When to File a Hurricane Claim with Insurance
If you are a recent victim of Hurricane Ida, you may be uncertain of when to file a hurricane claim with insurance. Or, perhaps you’ve been fighting but are simply exhausted from dealing with your insurance company or don’t have the necessary time. Whatever your situation, if the insurance company is not offering to pay you what your claim is worth—or denying your claim altogether, it’s time to bring a legal professional from New Orleans Legal, LLC, onboard.
You need an attorney that will fight for your rights—and your future. Our highly experienced attorneys will work tirelessly to ensure you receive an equitable settlement for your hurricane claim damages. Whether your insurance is acting in bad faith or simply dragging their feet, we know you need to get back into your home and get your life back to something resembling normal.
Why is Contacting New Orleans Legal, LLC The Right Choice?
A hurricane can be one of the most destructive forces in nature. Hurricanes can destroy homes—even entire communities in just a few hours. The loss of property brings an emotional toll that few who have not experienced this loss will fully understand. Having a homeowners insurance policy can undoubtedly offer a certain level of peace of mind.
Unfortunately, the insurance company may try to pay you much less than your claim is worth in many cases or deny your claim altogether. This could leave you victimized not once but twice. The New Orleans Legal attorneys are ready to help you recover from the trauma of Hurricane Ida. We know when to file a hurricane claim with insurance and how to fight for the compensation you are owed. Contact New Orleans Legal, LLC today.