How much does insurance pay for hurricane damage?

If you suffered flood damage from Hurricane Ida, your situation might get a little complicated.

If you have suffered significant damage to your property, you may be wondering if your home insurance policy provides adequate coverage. This is a common question for residents of Metairie, as locals were forced to deal with the devastation caused by Hurricane Ida. Unfortunately, many homeowners are struggling to find answers, and many still lack the compensation needed to repair, rebuild, and move on with their lives.

If you feel like you’re not making progress as you try to receive a settlement for hurricane damage, it may be time to get a qualified attorney. There are legal professionals in Louisiana who have plenty of experience dealing with denied insurance claims, and they can help you fend off insurance companies effectively and confidently. You deserve fair compensation for the damages you suffered, and these lawyers can help you get it.

Your insurance should cover hurricane damage

Generally speaking, hurricane damage is covered by typical home insurance policies. This is because private policies usually include full coverage for wind damage, and hurricane damage is of course an example of wind damage. If your home was damaged solely by wind, you should have full coverage from your insurer.¹.

What about flood damage?

If you suffered flood damage from Hurricane Ida, your situation might get a little complicated. Generally speaking, flood damage is a sticking point for many insurers, and it may not be covered by a typical policy. If you want coverage, you must purchase additional coverage through the National Flood Insurance Program (NFIP). The good news is that the majority of flood damage caused by Ida will be covered by this federal program.

Hurricane Ida victims still face challenges

Although victims of Hurricane Ida theoretically have coverage under their homeowners insurance policy and the NFIP, they still face significant challenges. Many people who suffered legitimate damage from the hurricane had their claims denied. Additionally, homeowners must file proof of loss for damages from Hurricane Ida by Feb. 25, 2022. According to the Louisiana Insurance Commissioner, they could lose the ability to receive compensation if they fail to comply. this delay.².

Where can I find an insurance claims lawyer near me?

If you’ve been looking in the Metairie area for a qualified attorney who has experience with denied insurance claims, look no further than Houghtaling Law Firm, LLC. Over the years we have helped many claimants who have been mistreated by their insurers. This type of misconduct is not only unacceptable, it is also illegal. We can help you fend off these insurers, and we’ll make sure you receive the compensation you need to repair the damage caused by the hurricane. Book your consultation today.

Sources:

1. https://www.inquirer.com/business/how-to-file-flood-insurance-claim-philadelphia-homeowners-policy-20210902.html#:~:text=Hurricane%20Ida’s%20%2419%20billion%20in ,Consumer%20Federation%20of%20America%20says.&text=%20losses%20due%20to%20floods%20are%20not%20covered%20under%20a%20owner’s%20policy.
2. https://www.wdsu.com/article/deadline-to-file-proof-of-loss-for-hurricane-ida-damage-approaching/38987160#