Navigating Homeowners Insurance Claims After a Loss

Understanding the Basics of Homeowners Insurance

Homeowners insurance is a contract designed to protect your most valuable asset—your home. By paying monthly premiums, homeowners can feel secure knowing that their property and belongings are covered in case of disasters like fires, hurricanes, or theft. Many people also choose to add liability coverage, which offers protection if someone is injured on their property. But while homeowners insurance offers peace of mind, navigating a claim can be complicated, especially after a major disaster.

Louisiana Residents: Special Considerations for Natural Disasters

Both Hurricane Ida, which devastated parts of Louisiana in August 2021, and now Hurricane Francine in September 2024 have reminded us of how vulnerable we are to extreme weather. Unfortunately, filing claims for hurricane-related damages often proves challenging, especially in coastal areas where insurance companies may have added restrictions. 

Homeowners insurance should provide protection when it’s needed most, but when insurance companies fail to deliver, Anderson Traylor Edwards (ATE) is here to help. We understand the challenges you face and will fight for your right to receive the compensation you deserve.

Steps to Take After a Loss:

1. Report Any Crime –– If theft, burglary, or vandalism is involved, report it immediately and obtain a copy of the police report. This documentation is critical for your claim.

2. Document the Damage –– Take photos and videos of all damage before making any repairs. Proper documentation is essential when filing a claim.

3. Prevent Further Damage –– Make temporary repairs to protect your property, but don’t throw away any damaged items until the insurance adjuster has inspected them.

4. Contact Your Insurance Agent –– As soon as possible, call your insurance agent to start the claims process. Ask about your coverage details, deductible, and filing deadlines.

5. Schedule an Adjuster Visit –– Arrange for an adjuster to inspect the damage. They will assess the property to determine the compensation you're entitled to.

6. Create a List of Damaged Items –– Make a detailed inventory of all lost or damaged items, including estimated values or receipts. Provide a copy of this list to your adjuster.

7. Keep Receipts for Expenses –– Save receipts for any temporary repairs or lodging expenses if you had to leave your home. These may be reimbursable through your claim

8. Seek Legal Assistance  –– If your claim is denied or you’re offered inadequate compensation, don’t hesitate to contact the attorneys at Anderson Traylor Edwards. We’re here to help you get the compensation you need to rebuild.

From documenting damages to negotiating with adjusters, handling a homeowners insurance claim can be overwhelming. If you need help, contact Anderson Traylor Edwards—we’ll be your advocate every step of the way.

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