Experienced Hurricane Lawyers in Louisiana
Our hurricane law firm represents victims of hurricane damage who have been denied insurance claims throughout Louisiana for residential and commercial properties.
If you’ve suffered harm from severe storm damage, the Louisiana hurricane damage attorneys at Shamieh Law can help. We will fight for your rights every step of the way until you get the fair compensation and settlement you deserve. Call our Louisiana Hurricane Lawyers 24/7 at 469-813-7332 or complete our online form to begin your free case review.
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When Insurance Refuses to Pay, Can I File a
When a hurricane, tornado, or severe storm strikes your home, the damage to both homes and business properties can be utterly devastating. You can lose memories and property in an instant. It gets even worse when the insurance company refuses to pay your claim.
The most straightforward answer to this question is, “yes, you can file a lawsuit” if your claim was unfairly denied. This happens far more often than it should, and our hurricane claim lawyers often see refusals and resistance from insurance companies. Insurance companies are not your friend when it comes time to use your policy. They are for-profit companies and don’t make a profit when they have to pay settlements.
At Shamieh, our goal as Hurricane Lawyers is to see that you are made whole in the eyes of the law by demanding agreed-upon compensation promised by insurance companies.
Call on us for help with Hurricane Damage claims for your home or commercial property.
Watch Out for Unfair Offers from Your Insurance Company
Hurricane Insurance companies often use many tactics to avoid paying you what they should. It will start when they send an insurance adjuster to the site to survey the damage. They often act very compassionate at first but offer a very lowball settlement for your damage. If you refuse, they will try just about anything to convince you to sign off, from being pushy to bullying and threatening you with no settlement at all.
They might claim that the damage is not as severe as it looks or as you claim. They could try to blame you for not making the proper preparations in advance. Some of the most common refusals come when insurance companies claim your policy doesn’t cover the damage.
Don’t fall for it. Get a free hurricane damage and injury case review and learn what you are entitled to under Louisiana Hurricane and Storm laws.
Our Louisiana Hurricane Attorneys Will Review Your Insurance Claim
Never sign anything or agree to anything without consulting a Louisiana hurricane damage attorney. Many people decide to sign, thinking of it as a stopgap, and then have trouble getting what they deserve. The moment you agree to their offer or sign paperwork, you could lose many of your rights to seek higher compensation later.
If the insurance company issues a check without you signing anything, it may be okay to cash it and file supplemental claims if you need more money later. It’s still a good idea to get approval from your Louisiana hurricane lawyer before taking action just to protect your rights the whole way.
You shouldn’t agree to anything without consulting a hurricane damage lawyer in Louisiana. You don’t even have to speak to the insurance company. Tell them to talk to your hurricane attorney at Shamieh Law and let us handle it.
Our Louisiana Hurricane Damage Law Firm Will Fight for Your Justice and Compensation
Your insurance company would pay what you need without question in the best of all worlds. Unfortunately, more often than it should, claims are denied. When your claim is denied, you need someone in your corner who can stand up to the insurance adjuster, take over communications with the insurer, and fight to get you the fair settlement you deserve for your hurricane or tornado damage claim.
It begins with a free and confidential consultation between you and our Louisiana hurricane insurance law firm. There’s no obligation and no fee if we don’t win. We’re here to fight for you every step of the way. We’ll talk about what happened, review your insurance policy with you, and evaluate your claim. If you decide to work with us, from here, we move to filing a suit for settlement and building your case.
Pay Attention to Deadlines to File a Louisiana Hurricane Lawsuit
We will ensure that any claim you file is within the statute of limitations for your state. That’s the critical deadline you must not miss for filing a lawsuit in Louisiana.
- Louisiana Property Damage Lawsuits – you have a one-year deadline to file a lawsuit for the repair or replacement of damaged property. (1)
- Louisiana Personal Injury Lawsuits – you have a one-year deadline to file a personal injury lawsuit. (2)
- Louisiana Wrongful Death Lawsuits – you have a one-year deadline to file a wrongful death lawsuit. (3)
Types of Hurricane and Storm Damage to Homes and Business Properties
A wide range of insurance claims can result from hurricane and storm damage. When you meet with our Louisiana hurricane lawyers to discuss your losses, it’s essential to understand that while similar, hurricane claims, tornado claims, and even ice storm claims cover different situations on your insurance policy.
You need a Louisiana hurricane insurance law firm in your corner that understands the differences and knows how to deal with the insurance company for each unique case.
In addition, commercial property damage claims are different from residential. Our Louisiana hurricane attorneys are well-versed and experienced in handling commercial damage claims, personal damage, and residential loss.
You may see several different types of damage caused by hurricanes. These include:
- Flooding – Hurricanes come with prolonged rainfall, and it’s not uncommon to see floods of up to 50 inches or more, which can cause severe damage to vehicles, landscaping, and even property as it wears down foundations.
- Wind Damage – Wind damage occurs from hurricane-force gales that can knock down trees, blow heavy objects like cars around, and sometimes take down entire homes.
- Storm Surge Damage – The deadliest harm people suffer from hurricanes can be rising sea levels. This can cause tidal waves that can engulf entire seaside regions.
- Tornadoes – While tornadoes are a threat unto themselves, sometimes hurricane winds can create small tornado paths, increasing the damage by uprooting trees, destroying homes, or creating projectiles from debris.
- Other Damage includes damage from hail, loss of power and utilities, and damage to your structure from the roof to the foundation and adjoining buildings like your garage.
Storm and Hurricane Categories That Affect Insurance Claims
Hurricanes are measured in categories from 1 to 5 and break down as follows: 
- Category 1 hurricanes carry winds of up to 95 mph.
- Category 2 winds can go up to 110 mph.
- Category 3 hurricanes can produce winds up to 129 mph.
- Category 4 Hurricanes can see wind gales up to 156 mph.
- Category 5 hurricanes are catastrophic in nature. At the top of the scale, a category 5 storm can carry winds of over 157 mph.
Remember, even category 1 hurricanes can cause damage to homes, uproot shallow trees, and snap power lines and poles.
Warning Signs of Hurricane Damage After a Storm
Things to watch out for after a hurricane include:
- Cracks in your home, including in wooden structures, pressure cracks around windows, ceilings, and your foundation
- Doors and windows that are difficult to open or close
- Damaged pipes, gas lines, and wiring
- Water damage and moisture near electrical circuits or in insulation
- Spongy floors
- Areas in your home that are no longer level
- A smell of mold or mildew, especially if you can’t see it.
Next Steps after a Major Storm with Extensive Damage and Injuries
The first thing to understand is that just because the storm has passed, it doesn’t mean the danger is entirely over. The CDC has extensive information on what to do immediately after a storm, including avoiding floodwater, which can carry strong currents and be contaminated with pathogens . You should avoid using any plug-in electrical device that’s wet. You should turn off the power to your house at the main breaker until a licensed electrician looks it over.
Use flashlights to light your way instead of candles if the power is out. Candles can be an obvious fire hazard that can compound your losses. Never enter a damaged building without an okay from the authorities, and avoid fallen power lines. Use common sense to keep yourself safe at all times.
Preserving Evidence and Getting All Needed Medical Treatments
Work with all first responders to get any medical attention you need. As soon as you can, record all details about the damage and the event that you can recall. You will, of course, need to report the incident to your insurance company. Still, you should immediately call a Louisiana hurricane claim lawyer to represent you if your claim is denied or unfairly delayed.
The Louisiana Department of Insurance offers a list of things to do after the storm to facilitate filing your claim . Make any temporary repairs you need to keep things safe and avoid further damage, like boarding up windows, covering holes with tarps and the like. Before you start cleaning, photograph the scene. Don’t throw anything away before the adjuster sees it.
It’s important to review your policy and know your deductible and coverage. You must never sign your insurance check over to a contractor. Cash the check yourself and pay the contractor with the money you received. Work with licensed contractors and make sure you get a clearly-worded, itemized contract, including all fees and timelines.
Start a Free Review of Your Important Hurricane Case
When we take on your case, we’ll gather evidence of all injuries and damage you have suffered. If necessary, we will hire expert witnesses to back up your case and demand fair compensation and payout when your insurance company refuses your claim.
The end goal is to ensure your case is as iron-clad as possible. We will fight fiercely to protect your rights, get you justice, and secure the insurance settlement you deserve.
Don’t try to go it alone. The insurance company is powerful, and they’ll try to get out of paying you what you’re due. We can fight to remind them that you’re the one who suffered and will work tirelessly to get you the payout you deserve. Call us today at 214-888-3333 or fill out our easy online contact form to discuss your case with a free consultation.
The Shamieh Law Difference
Shamieh Law distinguishes itself from other law firms with its outstanding service and results. Every client who walks through our door is like family to us, and we will treat you with the attention you deserve. You are our priority. We are available 24/7 to serve your needs. Over the years we’ve been in service, we have secured over 100 million dollars in damages for our clients.
We are an award-winning law firm that has won prestigious recognition as Super Lawyers Rising Stars, the Multi-Million Dollar Advocates Forum, and 10 Best for Client Satisfaction, among many others. We have an Avvo rating of 10.0.
Our managing partner Ramez Shamieh has nearly 25 years of experience, and our entire Louisiana hurricane law firm brings decades of combined experience to the table. We know how to take care of our clients, and we know how to fight back against insurance companies that don’t want to pay your fair settlement. Best of all, your initial consultation is free, and there’s no fee if our hurricane damage attorneys don’t get compensation for you.
Frequently Asked Questions About Hurricane Lawsuits
How Do I Prepare for the Insurance Adjuster After a Storm?
The first step in preparing for your insurance adjuster is to review your insurance policy. Next, inspect the property to record structural damage and inventory damaged items. Take photos and videos. Know your rights, and contact a qualified Louisiana hurricane insurance law firm at Shamieh Law.
How Does Homeowners Insurance Work after a Hurricane?
Your standard homeowner's insurance policy may cover the repair costs from damage, but every policy is unique, and you may have exclusions. For example, it's common for policies to exclude flood damage unless you have separate flood insurance. That's why it's important to review your policy. If you're unsure, a Louisiana hurricane claim lawyer can help you review your policy to determine what's covered and your rights.
Do I Need a Hurricane Damage Lawyer?
The law does not require you to secure the services of a Louisiana hurricane attorney, but it's always a good idea. The insurance company may look for reasons to reduce the amount of money they pay you or deny your claim entirely. Having someone in your corner who knows the law and can fight for your rights gives you a better chance of getting a fair settlement. Call Shamieh Law for a free consultation.
What Does a Hurricane Accident Law Firm Cost?
A qualified, experienced, trustworthy hurricane damage lawyer will not cost you a dime upfront. Your initial consultation is free. After that, if we don't win your case, you don't have to pay a fee. Any fee that is charged will come out of the award. We'll discuss that at the consultation, so there will be no surprises for you at all. You can afford to hire a Louisiana hurricane damage lawyer, and it may be more costly not to hire one.
Why Was My Claim Denied?
Insurance companies have a wide range of reasons for denying claims. They could claim that your damage isn't as severe as you make it out to be. They might say that the damage is partially your fault because you didn't prepare as well as you should have. They might simply state that the damage isn't covered. None of these reasons means they're correct. If your claim is denied, it's not necessarily the end of the road. A Louisiana hurricane insurance law firm can help you fight for the settlement you deserve.