The city of New Orleans is known for its vibrant culture and rich history. That is why many people love the city.
However, New Orleans is vulnerable to severe weather conditions like tropical storms and hurricanes, which result in wind damage to property.
Wind damage claims have risen in recent times. This has made the services of an experienced New Orleans wind damage insurance attorney essential. This legal professional helps in dealing with all processes related to insurance claims, from filing one to seeking an appeal for rejected claims.
Here are 5 frequently asked questions related to wind damage claims answered by a New Orleans lawyer.
Question 1: What can I do when I discover wind damage to my property?
The first step to take after noticing wind damage to your property is to take photos and videos of the damage because it will help you when you are making your claim. Proceed to contact your experienced attorney to help you.
You must ensure that the attorney you hire is well-versed in wind damage claims. Notify your insurance company quickly about the damage you have suffered. If you make any repairs to the property, ensure that you properly document them.
Question 2: How can I prove that wind damage was caused by a specific event?
You can prove it by establishing causation. This means you have to gather evidence to back up your claims, like photographs or videos of the damage, weather reports, storm tracking data, and witness testimony.
You can also include insurance company reports and expert opinions of engineers, contractors, etc. With the help of your attorney, you will know the right evidence you need.
Question 3: What is covered under a standard homeowners’ insurance policy in New Orleans?
The next thing people often want to know when it comes to wind damage claims is the things that are covered in a standard homeowners insurance policy.
A New Orleans standard homeowners policy usually covers the primary dwellings, garages, sheds, personal properties like furniture and appliances, and additional living expenses like temporary housing. Depending on the type of policy, these things can be included or excluded.
Question 4: Is it possible to file a wind damage claim if my property has pre-existing damage?
You can file a wind damage claim even if your property had pre-existing damage. It is important to note that this condition will impact your wind damage claim.
Most insurance companies are aware of this pre-existing damage and will argue that the maintenance issues of your property were the source of your damages. Your lawyer will help you prove that the wind damage was a separate and distinct event.
Question 5: What are common disputes between policyholders and insurance companies in wind damage claims?
There are so many disputes between policyholders and insurance companies in wind damage claims, like denying coverage because of pre-existing issues on the damaged property. Some insurance companies present undervalued settlement offers.
Both policyholders and insurance companies argue over repair costs or replacement values as well.
And there is also the problem of inadequate communication.
But a lawyer who is well-versed in wind damage claims will help you navigate these issues successfully.
