Hurricane season in Metairie, Louisiana, can be devastating. Storms can cause ripped roofs, flooded homes, destroyed belongings, and in many cases, lives turned upside down. When the storm passes, you expect your insurance company to pay your claim and help you rebuild. Unfortunately, it doesn’t always work that way.
If your claim was denied or undervalued, a Metairie hurricane property damage lawyer at Santana & Blanchard Personal Injury Lawyers can help. We have decades of experience in insurance and property damage claims. We’ve recovered millions for our clients in Louisiana.
Our legal team can help you navigate your injury claim and hold insurers accountable for your losses. Call us today at (504) 323-6000 to schedule a free consultation with one of our skilled attorneys.
How Santana & Blanchard Personal Injury Lawyers Can Help With a Hurricane Property Damage Claim in Metairie, LA
Insurance companies are supposed to step up when disaster strikes. After all, you’ve paid your premiums to receive coverage for such an event. But after a hurricane, many homeowners find themselves facing a hostile claims process that results in delays, denials, and devalued damages.
You deserve an experienced Metairie hurricane property damage attorney on your side. We’ll fight to get you the compensation you deserve.
When you hire us, we’ll:
- Review your insurance policy in detail to determine what’s covered
- Investigate your damages and gather the evidence needed to support your claim
- Calculate the full value of your losses
- Negotiate directly with the insurance company
- Pursue your case in court to get justice
We know the games insurance companies play. We’re here to fight back. Contact us today to schedule a free case review to learn more about how we can help you.
What Is Bad Faith in the Insurance Industry?
Bad-faith insurance refers to dishonest or unfair tactics by an insurance company used to avoid paying out a valid claim. In Louisiana, insurers are legally required to handle claims in “good faith.” That means they must investigate your claim, keep you updated on its status, and make payment when it’s owed.
You might be a victim of bad-faith practices if your insurer:
- Denied your claim without explanation
- Ignored your calls and emails
- Delayed payment or investigation without justification
- Misrepresented your policy’s coverage
- Required unnecessary paperwork just to stall the process
- Offered an unreasonably low settlement
- Blamed you for damage that is clearly storm-related
If you experienced these tactics, you may have a bad faith claim against your insurer. Our team at Santana & Blanchard Personal Injury Lawyers will help you understand your rights.
What Types of Damage Does Hurricane Insurance Cover?
A hurricane can leave a path of destruction in every direction, and insurance policies can be just as complicated as the storms themselves.
Depending on your policy, hurricane insurance may cover:
- Wind damage to roofs, windows, doors, and siding
- Flood damage from storm surge or heavy rainfall (typically through a separate flood insurance policy)
- Structural damage to your home or commercial property
- Loss of personal property, including furniture, electronics, and appliances
- Temporary living expenses if your home is uninhabitable
- Debris removal and repairs to outdoor structures
Our lawyers handle both residential and commercial hurricane claims. No matter how extensive the damage or how complex your policy is, we’ll work to recover everything you’re entitled to under the law.
Can My Insurance Company Legally Deny My Claim in Metairie?
Yes—but only under specific circumstances. Insurance companies can deny your claim if:
- The damage wasn’t covered under your policy
- You missed the deadline to file
- You failed to pay your premiums
- You didn’t provide the necessary documentation to the insurance company
Insurers are required to explain the reason for denying your claim in writing. If their explanation feels misleading or dishonest, speak with a hurricane property damage lawyer in Metairie. We’ll review your policy and claim to determine whether the denial was lawful—or if your insurer is acting in bad faith.
What Compensation Can You Recover in a Hurricane Property Damage Claim in Louisiana?
If your insurance company has engaged in bad faith in denying your claim, you may be entitled to more than your initial losses related to the hurricane.
A successful claim could include:
- The full value of your property damage
- Additional repairs due to delays
- Out-of-pocket expenses
- Interest on loans or credit used to make emergency repairs
- Attorney’s fees and court costs
- Compensation for emotional distress or hardship
At Santana & Blanchard Personal Injury Lawyers, we’ll fight to make sure the insurance company compensates you for all your losses — and any harm you’ve experienced due to their misconduct.
How Long Do I Have to File a Hurricane Property Damage Claim in Metairie?
Louisiana law requires hurricane victims to act quickly when pursuing a bad-faith insurance claim.
While the exact timelines may vary depending on your policy and the nature of your claim, you generally have:
- 180 days to file a proof of loss
- 10 years to file a bad-faith lawsuit against the insurance company, depending on the circumstances
Don’t miss the deadline. Waiting too long could cost you your right to recover what you’re owed. Call us today to get started on your claim and avoid losing out on compensation.
Contact a Metairie Hurricane Property Damage Lawyer Today for a Free Consultation
If you’re dealing with a dishonest insurance company after a hurricane in Metairie, you don’t have to face it alone. Let Santana & Blanchard Personal Injury Lawyers fight for you. We’ve seen firsthand how these storms tear through our communities—and we’ve helped countless families pick up the pieces.
Your consultation is 100% free, and you don’t pay a dime unless we win. Call today to schedule a case evaluation with a Metairie property damage attorney and get the help you need to move forward.