Fires are traumatic and complex losses, whether to your home or business. Leaving the policy holder with the overwhelming task of managing a complex fire damage property claim in addition to trying to cpick up the pieces and move on. To make matters worse, if not handled properly, you run the risk of a claim being underpaid, delayed or even denied.

Water damage is a common. From Pipe bursts to water heaters, these claims can become complex quickly. Understanding your policy is not simple, but remains the driving factor determining the success of your settlement. Without experienced professionals, you may find your claim denied, delayed and underpaid water damage restoration claims.

Hurricane claims are already complicated due to wind and water acting as potentially 2 separate causes. Add factors like loss of use, mitigation, contents loss, and the process can be overwhelming. On top of this, there are never enough company or independent adjusters who are competent and available to handle such a large scale catastrophe, leaving home owners and business owners hung out to dry. Living in Louisiana, we have lived through major storms and know how big an impact these storms have. We help you get your claim settled correctly.

Hail can cause significant damage to your home, business or commercial building. Damage to the exterior can cause water leaks that could damage the interior of your home or business especially if windows, doors or skylights have been broken. All too often insurance carriers attempt to minimize damage, send inexperienced adjusters or even deny claims based on cosmetic exclusions. It is important to know your rights and have professionals on your side.

While less common in the south, we still see these claims. A sudden cold snap can mean tens or even hundreds of thousands of dollars in damage to your property. Even after the pipes have frozen, causing them to separate and burst, the insured may not find the damage until the ice has thawed, which can create complicated situations.

Mold is a problem occuring due to water. If left un-treated the mold can affect air quality, damage HVAC systems and permeate the building causing damage to ceilings, walls and floors. Once it’s taken hold, professionals are needed to abate the damage. During the late 1990’s an upswing in mold claims lead carriers to begin writing exclusions for mold as a peril or even to issue sub-limits for mold occurring as a result of a covered water damage claim. These claims require special scrutiny and experts to help determine coverage and repairs. Let us help you by contacting us today.