Homeowners Insurance Claims

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Homeowners Insurance Claims

Schedule a free consultation, today!


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Client Results

Homeowners Insurance Claims

Homeowners insurance coverage is intended to provide individuals with protection and financial support in the event of unexpected circumstances or losses. If you’re facing difficulties in navigating your insurance claim, our committed team of local, legal professionals stands ready to champion your cause. We have successfully represented numerous clients in disputes related to homeowners insurance claims, ensuring that local policyholders are neither marginalized nor neglected by insurance companies who fail to hold up their end of the contract.

Together, Mike, Jason, and Rachel recovered more than $15 million for residents and business owners from their insurance carriers for Hurricane Recovery.

Protecting Local Policyholders

We all expect our insurance to be there when we need it. Unfortunately, in South Louisiana, we know that’s not always the case. Our local attorneys have experience fighting for individuals who have been denied or received grossly undervalued settlements after years of maintaining their policies. We specialize in first-party insurance claims, including homeowners insurance claims and uninsured/underinsured motorist claims, to take on the big insurance companies to fight for your rights.

How Can We Help You?

At SWLA Injury Attorneys, we’re here to simplify insurance disputes for you. Our seasoned team of local litigators will help to make sure you fully understand your policy and where you stand with your insurance claim. Whether it’s streamlining paperwork, negotiating fair settlements, or representing you fiercely in court, we’re dedicated every step of the way. With SWLA by your side, you can rest assured that your interests are protected, translating insurance promises into tangible solutions and allowing you to focus on recovery and peace of mind.

Looking Beyond The Fine Print

Insurance documents are often a maze of intricate clauses, stipulations, and indecipherable jargon. At SWLA Injury Attorneys, we believe that justice shouldn’t be hidden in the small print. We take a deep dive into your policies, breaking down the complexities and translating them into clear, actionable insights for you. Our team’s expertise ensures that no detail is overlooked and that your rights are not buried under layers of contractual verbiage. By looking beyond the fine print, we uncover the true framework of your policy and position you to claim what’s rightfully yours.

Homeowners Insurance

What is considered “first-party insurance”?

First-party insurance refers to a policy where the insured, or the policyholder, is directly covered for losses or damages they incur. In these arrangements, the insurance company compensates the policyholder directly, and owes the policyholder a duty of good faith and fair dealing.

Common examples include homeowner’s insurance, where the property owner is reimbursed for damages to their property caused by events like fires or natural disasters, or uninsured motorist insurance, where the individual is compensated for damages caused by someone who is uninsured or underinsured for your damages. Essentially, first-party insurance is designed to protect the insured’s own interests and assets, ensuring swift compensation.

What types of property damage are typically covered under a homeowner’s policy?

A standard homeowner’s policy typically offers protection against a range of potential risks and damages to a property. Commonly covered perils include fire, lightning, windstorms, hail, explosions, and theft. Some policies also provide coverage for damages resulting from vandalism, riots, aircraft, and vehicles unintentionally causing harm to the property.
Additionally, homeowner’s insurance might cover damage from internal incidents such as bursting of pipes or overflow of water from plumbing. Most standard policies exclude certain types of damages, such as those resulting from floods, earthquakes, or routine wear and tear. Given the variations and specifics of individual insurance contracts, it’s always advisable for homeowners to thoroughly review their policy or consult with a professional to understand the full extent of their coverage.

What is a deductible?

A deductible is the amount a policyholder must pay out-of-pocket before their insurance coverage kicks in and covers the remainder of the costs for a claim. It is essentially a form of cost-sharing between the insured and the insurance company. Deductibles can be structured as a specific dollar amount or a percentage of the total claim amount.

For example, if a homeowner has a $1,000 deductible and incurs $5,000 in damages, the policyholder will pay the first $1,000 and the insurance company will cover the remaining $4,000.

What if my homeowners insurance claim is denied?

Insurance companies may deny claims for various reasons, including perceived discrepancies in your claim, policy exclusions, or lapses in your insurance coverage. You should obtain a written explanation for the denial from the insurance company, which may provide some clarity on their specific reason(s) for the decision. Armed with this information, review your insurance policy in detail to understand if the denial aligns with the policy’s terms.

If you believe the claim was wrongly denied or if the language in the policy is ambiguous, you may need to consult with a lawyer. An experienced homeowner’s insurance claim attorney can guide you in understanding your rights, potentially challenging the denial, and navigating the appeal process. Your attorney can help to gather additional evidence and negotiate with the insurance company to seek a favorable resolution.

Remember, a denial isn’t the end of the road. With the right approach and support, we can advocate for a fair review and potential compensation on your behalf.