Hurricanes Hit Hard. Your Claim Should Too.
Louisiana knows hurricanes. So do we. Roof, structure, interior, contents — we document and fight for the full scope.
About This Service
Understanding Hurricane Damage Claims
Hurricane claims are complex because the damage touches everything — roof, siding, windows, interior water damage from wind-driven rain, structural shifts, landscaping, fencing, outbuildings. Carriers love to minimize scope on hurricane claims because the numbers get big fast. That's exactly why you need someone who knows how to document and argue every item.
Our Approach
How We Handle This Differently
We've worked hurricane claims from both sides. We know how carriers try to separate wind damage from flood damage to reduce their payout. We know which items they'll fight on and which ones they'll concede. And because we have construction backgrounds, we catch structural damage that insurance-only adjusters walk right past.
Carrier Tactics
When Your Carrier Pushes Back
"That's flood damage, not wind"
We document the damage at elevation levels with timeline photos to distinguish wind-driven rain (covered) from rising water (flood policy). Water stain patterns, entry points, and weather data tell the story.
"The interior damage was pre-existing"
We correlate interior damage with the specific roof or window breach points, showing the direct causal chain from wind damage to interior water intrusion.
Common Questions
Frequently Asked Questions
Does my homeowner's policy cover hurricane damage?
Most Louisiana homeowner policies cover wind damage from hurricanes, but not flood damage (that's a separate policy). Your hurricane deductible is usually a percentage of your home's insured value, not a flat dollar amount. We review your policy to clarify exactly what's covered.
My home was damaged in a hurricane last year. Is it too late to file?
It depends on your policy terms and Louisiana prescriptive periods. Some claims can still be reopened or supplemented even after initial settlement. Contact us for a free review.
What should I do immediately after a hurricane?
Document everything with photos and video before cleanup. Make emergency repairs to prevent further damage (save receipts). Contact your insurance company to report the claim. Then call us — the sooner we're involved, the better we can protect your interests.
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