Was your property damaged by a hurricane in Lafayette, LA? Contact Mansfield Melancon Car Accident and Personal Injury Lawyers at (337) 473-2991 for help recovering the compensation you deserve. A Lafayette hurricane damage lawyer can help you fight — and win — against insurers.
If your hurricane claim has been denied or undervalued, call our law office today for a free consultation.
Why Choose Mansfield Melancon to Handle Your Hurricane Insurance Claim in Lafayette, LA?
As a policyholder, you expect your insurance company to help you rebuild — but too often, insurers undervalue or flat-out deny legitimate claims. At Mansfield Melancon Car Accident and Personal Injury Lawyers, our Lafayette personal injury lawyers help homeowners and business owners in Lafayette stand up to insurance companies after natural disasters.
Here’s what sets our firm apart:
- Decades of proven success in property damage, insurance, and bad-faith claims
- Personalized service; we treat every case as if it were our own home or business on the line
- Firsthand experience helping local clients recover after hurricanes like Laura, Delta, and Ida
- Aggressive representation against insurance companies that try to deny or minimize your losses
- Contingency-based fee meaning you pay nothing unless we recover money for you
Call us today to schedule your free case review with a Lafayette hurricane damage attorney.
What Is Insurance Bad Faith?
Insurance companies are required by law to treat you fairly and handle claims in “good faith.” When an insurer unreasonably delays, denies, or underpays your valid hurricane damage claim, it may be acting in bad faith.
Common signs of bad faith insurance practices include:
- Denying your claim with no valid explanation
- Offering settlements far below the value of your damages
- Repeatedly requesting unnecessary documents to stall the process
- Blaming pre-existing damage or your maintenance habits
- Ignoring your calls or emails
- Misrepresenting the terms of your policy
- Failing to investigate your claim in a timely manner
If you’ve experienced these tactics, you may have grounds to pursue additional compensation beyond your original claim. Our Lafayette hurricane damage attorneys can help you understand your rights and hold your insurer accountable for your covered losses.
What Losses Are Covered in a Hurricane Damage Claim in Louisiana?
Between wind, rain, and flooding, hurricane damage can impact every part of your home or business.
The exact coverage depends on your policy, but in general, hurricane insurance may include money for:
- Wind damage to roofs, walls, siding, windows, and doors
- Flood damage (usually covered by a separate flood insurance policy)
- Structural damage to the foundation or support systems
- Interior water intrusion from broken windows or compromised roofing
- Loss of personal property, including electronics, appliances, furniture, and clothing
- Living expenses if you’re forced to relocate temporarily
- Debris removal and cleanup costs
- Business interruption losses (for commercial claims)
Our hurricane damage attorneys can help you evaluate your insurance coverage and determine what losses are covered under your policy. If the insurance company refuses to pay you for valid losses, we’ll take them to court for justice.
Can My Insurance Company Deny My Hurricane Claim in Lafayette?
Yes, but only under legitimate circumstances.
An insurer can deny your property damage claim if:
- The damage isn’t covered by your policy (e.g., flood damage is not included)
- You missed important filing deadlines
- You failed to maintain coverage or pay premiums
- You didn’t submit the required documentation
If your claim was denied without a proper explanation, our Lafayette hurricane damage lawyers will review the case, analyze your policy, and determine whether your insurer acted properly.
What Compensation Can I Recover in a Hurricane Damage Claim?
If your insurance company has mishandled your claim, you may be entitled to far more than just the cost of repairs.
In a successful hurricane damage or bad faith case, you may recover:
- Full repair or replacement costs for your damaged property
- Additional repair costs caused by delay or partial repairs
- Temporary housing costs
- Lost income or business interruption losses
- Out-of-pocket expenses from emergency repairs
- Attorney’s fees and court costs
- Interest on delayed payments
- Damages for emotional distress, if applicable
At Mansfield Melancon Car Accident and Personal Injury Lawyers, we’ll fight for every dollar you deserve. Contact us today to learn more about the damages you can recover.
How Long Do I Have to File a Claim in Louisiana?
Time is critical in hurricane claims. Depending on your policy and the type of claim, you may have as little as 180 days to file a proof of loss after the storm.
In bad faith insurance cases, Louisiana law generally allows up to 10 years to file a lawsuit, but it’s not advisable to wait that long. Evidence may disappear, and insurers may become more difficult to deal with the longer you wait.
Call Mansfield Melancon Car Accident and Personal Injury Lawyers as soon as possible after a denial, underpayment, or unreasonable delay. We’ll step in quickly to preserve your rights.
Contact Our Lafayette Hurricane Damage Lawyers Today for a Free Consultation
If your hurricane damage claim has been denied, delayed, or lowballed, don’t try to fight alone. At Mansfield Melancon Car Accident and Personal Injury Lawyers, we know how insurance companies operate and how to beat them.
With over 50 years of combined experience, we’re proud to serve the people of Lafayette and help our neighbors rebuild after a storm. Call today or contact us online to schedule your free consultation with a Lafayette hurricane damage lawyer.
