At times, homeowners insurance claims are among the most stressful things that homeowners deal with in their lives. It’s not uncommon to feel shocked and even betrayed when you file your insurance claim and then find out later on that your claim was denied or that it was only partially paid out – leaving you with thousands of dollars more in damages than your insurance company would pay to help cover. If you’ve filed a homeowners insurance claim, you likely already know how big an impact this can have on your life .Fortunately, if you’re dealing with this kind of situation, there may be hope in the form of an experienced Homeowners Insurance Claim Attorney in Louisiana.
Wrecked by weather
There are many risks homeowners face when living in Louisiana, from hurricanes and tornadoes to floods. But there is one risk that many people aren’t aware of–the risk of getting a Homeowners Insurance Claim Attorney in Louisiana. If you’ve been involved in an accident that involves your home, it’s important to know how this can affect your coverage and what your rights are. For example, if someone slips on ice and falls down the stairs in your house, their injury may be considered on premises or off premises. The difference? A slip-and-fall injury would be covered by homeowner’s insurance if it happened inside the house but not outside the house. Knowing where injuries happen will help you understand whether or not you’re covered for any expenses associated with the injury–from medical bills to lost wages for someone who might not be able to go back to work for a while because of their injury. But don’t worry about figuring out what falls under premises or off premises, as there are attorneys specializing in this area that can help protect you against potential liability.
Wrecked by theft
A burglary at my home cost me more than just the loss of my belongings. A thief stole my peace of mind. I’ve since learned that you may be entitled to more than you know when it comes to Homeowners Insurance Claim Attorney in Louisiana. Sometimes, theft coverage will pay for more than just your stolen property. Your insurer can reimburse you for other losses that result from a break-in, including damage to locks and doors, legal fees, out-of-pocket expenses related to fixing damaged items or replacing stolen ones and increased living expenses if you’re displaced from your home for an extended period. Speak with an experienced law firm before deciding on a settlement offer; they may have found information about your case that could improve your outcome. Contact Tomlinson & Tomlinson today and let us help!
Wrecked by fire
It’s a tragedy when your home becomes engulfed by the flames, but thankfully there’s a lot you can do to protect yourself. One of the first things to do is to contact an attorney who specializes in Homeowners Insurance Claim Attorney in Louisiana. These attorneys can help you determine whether or not your homeowner’s policy is sufficient. Remember, it doesn’t matter what caused the fire as long as it was an accident and your home was damaged by it. If this turns out to be the case then you may be entitled to coverage. Even if your family wasn’t at home when the blaze began, you may still be eligible for compensation through no-fault provisions which cover fires that start while nobody is at home. If the fire started from negligence on someone else’s part (for example, due to faulty wiring) then you may also have grounds for a lawsuit against them for damages incurred.
Injury liability claims
If you or someone you love has been injured on the job, it is important to know your rights. You may be entitled to more than you know. For example, if you are injured on the job and your employer does not provide workers’ compensation insurance, then there may be additional benefits available through state-run programs. These include short-term disability benefits as well as wage replacement, medical payments for work-related injuries and other expenses. In addition, since Louisiana requires employers to carry general liability coverage for death and injury caused by a company’s products (called Products Liability), many of those expenses may also be covered by an insurance policy carried by the company. If an employer was responsible for your accident due to intentional misconduct or negligence, then he or she might also have criminal liability exposure. A Homeowners Insurance Claim Attorney in Louisiana can explain all of these different options and help you decide which one best suits your needs. Since every situation is different, each person will require a unique course of action based on his or her needs. The earlier this information can be obtained, however, the better off he or she will be during the aftermath of an injury and into the future recovery process.
Why I Hate Homeowners Insurance Claim Attorney in Louisiana
Homeowners insurance is a type of property insurance that covers the dwelling and its contents, including fixtures and landscaping. It also provides coverage for other disasters like fire, theft, vandalism, and windstorm. Unfortunately, homeowners insurance does not cover floods or earthquakes. Floods are covered by a separate policy known as flood insurance. If you live in an area prone to earthquakes your homeowners policy will provide coverage if the earthquake occurs within the policy’s geographical limits. Earthquakes outside of the limits will not be covered. Regardless of whether or not you live in an area prone to flooding or earthquakes, it’s important to have both a homeowners and flood/earthquake insurance because they’re designed to take care of different types of disasters that can happen at any time. The amount of money available for reimbursement on your claim may vary depending on the type of disaster and which one has been triggered. You’ll want to know what you’re entitled to before filing a homeowners insurance claim so that you get back everything you deserve from the event. Speak with a Homeowners Insurance Claim Attorney in Louisiana who specializes in helping clients collect compensation for damages incurred due to natural disasters.