Today the #1 most-requested complaint from homeowners insurance claim lawyer in Louisiana is that of flood damage. Almost 18% of those surveyed said their home suffered from a flood in the last five years, and it’s believed that damages will continue to rise as floods become more frequent, but understanding what constitutes a flood requires some armchair detective work.
Just because it started raining or there was water over the property line doesn’t mean you should automatically assume you have “flood insurance.” Here’s what you need to know about flood insurance and your policy.
According to the National Flood Insurance Program (NFIP), flood damage is defined as any damage that occurs due to rising water or if water leaks through the walls of your home. Just because it rains or a flood warning doesn’t mean you are at risk for flooding. Some other situations, like storm surges and river flooding, can also cause water damage but ARE NOT considered flood damage.
According to FEMA, there are several different types of flood damage:
Rising water from lakes, rivers, and streams covering the property–is commonly referred to as “flood” or “river flood” damage.
In this situation, you would have a flood homeowners’ insurance claim lawyer in Louisiana if the water did not breach a specific elevation like the flood plain or over the home’s foundation.
Water leaking through your walls or floors–is typically caused by broken pipes and is typically covered by a homeowner’s insurance policy.
You should check with your insurance company to see what optional coverage they offer for flood damage.
It is essential to take proper steps in choosing an insurance policy because that decision can make or break you if something terrible happens to your home. Every insurance company offers some home insurance products, but they are not the same. Some policies have exclusions on covered losses and offer meager coverage amounts. It can also be tempting to go with a cheap company, but they may not offer the best coverage at all times. So, if you’re not sure which type of policy works for you, here are reasons to consider purchasing a Policy.
Home Insurance Policy
An independent insurance broker manages policies offered for your home.
This means that an independent insurance agent is available to talk to during any time of the day or night and can answer any questions you have about your policy and even provide professional advice if necessary.
Find A HOMEOWNERS INSURANCE CLAIM LAWYER IN LOUISIANA
You’ve just been in flood and need to file a claim on your homeowners’ insurance. You’ve Googled “homeowners insurance claim lawyer in Louisiana,” but it seems as if there are about 50,000 possible results! How do you find the right lawyer for this complicated issue?
We have the answer for you. This post will help you navigate your options and find the best law firm or attorney to handle your case.
Let’s start by defining the problem.
You’ve just been in flood and need to file a claim on your homeowners’ insurance. You’ve Googled “homeowners insurance claim lawyer in Louisiana,” but it seems as if there are about 50,000 possible results! How do you find the right lawyer for this complicated issue?
We have the answer for you. This post will help you navigate your options and find the best law firm or attorney to handle your case.
Let’s start by defining the problem.
The Problem: No One Wants to Handle Your Flood Insurance Case
Your first stop in your search should be the AIC (Association of Independent Consumer Credit Counseling Agencies). These non-profit organization advocates for consumers. They can help you find a local agency that provides free services to people to help them with their flood insurance claims. The AIC maintains a state-by-state list of agencies that can help you file your claim.
Unfortunately, most flood insurance cases don’t fall under the umbrella provided by these agencies. They usually only take on clients who have fallen victim to identity theft or suffered other credit-related events. Your situation is a little more complicated because you need help in the form of an attorney or law firm to handle the case for you.
The Solution To Find A Flood Insurance Case Lawyer In Louisiana
Disappointed? Don’t be. There is a simple solution to finding the right law firm to handle your flood insurance case. The solution is found on Google: Google Reviews! Yes, we know there is much controversy about whether rating sites like Yelp, Google+, and others are accurate. However, it has been proven repeatedly that sites like these can help you find an attorney who fits your needs perfectly.
The Problem: No One Wants To Handle Your Flood Insurance Case
Your first stop in your search should be Louisiana’s homeowner’s insurance claim lawyer. These non-profit organization advocates for consumers. They can help you find a local agency that provides free services to people to help them with their flood insurance claims. It maintains a state-by-state list of agencies that can help you file your claim.
Unfortunately, most flood insurance cases don’t fall under the umbrella provided by these agencies. They usually only take on clients who have fallen victim to identity theft or suffered other credit-related events. Your situation is a little more complicated because you need help in the form of an attorney or law firm to handle the case for you.
The Solution To Find A Flood Insurance Case Lawyer In Louisiana
Disappointed? Don’t be. There is a simple solution to finding the right law firm to handle your flood insurance case. The solution is found on Google: Google Reviews! Yes, we know there is much controversy about whether rating sites like Yelp, Google+, and others are accurate. However, it has been proven repeatedly that sites like these can help you find an attorney who fits your needs perfectly.
