855.846.6529 tmiles@timmileslaw.com

Damages Caused by Hurricane Ida

Hurricane Ida struck Louisiana as a category 4 hurricane with sustained winds of 150 mph, battering the Louisiana coastline and neighboring states, including leaving more than 1 million people without power. Homeowners and Businesses will now face the difficulty of cleaning up and rebuilding during COVID-19.

While downed power lines have made it difficult to assess the situation, damages related to Hurricane Ida are currently estimated at roughly $40 million, for a Louisiana coastline that experienced a record storm season in 2020, including losses related to Hurricane Laura and Hurricane Delta. While it may take weeks to assess the full extent of damages related to Hurricane Ida, there are some common losses that are experienced by property owners after a catastrophic storm. High winds can cause roofs to be torn from houses and buildings, fallen trees can total vehicles, and a storm surge can result in complete property loss.

Moreover, as many storm survivors have painfully experienced, insurance companies routinely deny or downplay claims after a hurricane. If your valid claim for losses is rejected, you should contact us immediately.  We help people obtain the settlement they deserve from their insurance company. If you are unfairly denied a claim or offered a settlement less than your case is worth, our office can help.

Louisiana has the strongest bad-faith insurance protection laws in the country. If your first-party insurance claim related to Hurricane Ida losses is denied or delayed, contact the us for assistance. We will help you provide “satisfactory proof of loss” and ensure that you receive the compensation you deserve.

 Flooded streets and homes are shown in the Spring Meadow subdivision in LaPlace, La., after Hurricane Ida moved through Monday, Aug. 30, 2021. Hard-hit LaPlace is squeezed between the Mississippi River and Lake Pontchartrain. (AP Photo/Steve Helber)

Filing a First-Party Insurance Claim for Ida-Related Losses

Home and business owners whohave suffered losses related to Hurricane Ida should file a first-party  insurance claim to receive compensation for their losses. However, insurance companies do not always pay out these valid claims unfortunately. If an insurance company denies your claim or delays your payout, you may need legal representation in order to obtain the money you are owed.

An insurance provider who fails to pay a valid claim for losses, must be held accountable. Louisiana law provides statutory damages of 50%, plus attorney’s fees for all payments made (or payments that should have been made) after 30 days of “satisfactory proof of loss.”

In addition, if the payment on a claim is 60 days or more late, you may be entitled to recover damages related to your mental anguish as well as pain and suffering.

 Flooded streets are shown in the Spring Meadow subdivision in LaPlace, La., after Hurricane Ida moved through Monday, Aug. 30, 2021. Hard-hit LaPlace is squeezed between the Mississippi River and Lake Pontchartrain. (AP Photo/Steve Helber)

Insurance Companies Have a Duty of Good Faith and Fair Dealings

In the aftermath of the destruction caused by Hurricane Katrina, Louisiana law was revised in order to protect individuals and businesses in the event of catastrophic losses.  Under the new laws, insurance companies have a duty of good faith and fair dealing, which includes reasonable efforts to settle claims promptly and fairly. An insurance company acts in bad faith when, among other things, they make material or misleading misrepresentations, fail to pay a settlement timely, or deny coverage without a valid justification.

In order to prevail, an insured must establish “satisfactory proof of loss.” Satisfactory proof of loss requires the insured to provide sufficient information for the insurer to act on the claim. The insurance provider must then act on the claim within 30 days of loss notification. If an insurer’s failure to act or make timely payment on a valid claim is found to be “arbitrary, capricious or without probable cause,” they can be held accountable for damages.

 A barge settles on a bridge in the aftermath of Hurricane Ida, Monday, Aug. 30, 2021, in Lafitte, La. The weather died down shortly before dawn. (AP Photo/David J. Phillip)

Holding Insurance Companies Accountable

The Law Offices of Timothy L. Miles is dedicated to helping individuals that have been injured by another party. When an insurance company does not give fair compensation, we seek to hold them accountable and ensure that they are do what is right. If you suffered property damage related to Hurricane Ida or another storm and your insurance provider is delaying or denying your claim, contact our office immediately at (855) TIM-MLAW (855-846-6529) or by submitting the online Free Evaluation Form and someone will promptly be in touch for a free case evaluation.

We will help you hold your insurance company accountable for their wrongdoing and get the recovery you need and are legally entitled. We work on a contingency fee basis, which means it costs nothing to hire us, and we get paid only if we successfully resolve your case. There’s no out-of-pocket fees and no risk to you.

Contact our office today for a free consultation by submitting a Free Case Evaluation form.