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What to do if your property was damaged in Louisiana – a step-by-step guide

What do you do if your property was damaged in Louisiana? How do you file a claim for damages in a southeastern U.S. state like Louisiana?

If your property has been damaged, you must report to the insurance company if you are to be compensated. Damage to property can occur in various circumstances. It can only be ordinary or negligence on the part of another party.

In Louisiana, the majority of property damage is caused by natural acts. It is important that you make a claim for damages if you are to receive compensation for the damage to your property.


Here are some of the steps you should take when applying for damages in Louisiana.

. Document Property Damage

Insurance companies want to know what they are dealing with in the event of a disaster. That is why it is important that you are as accurate as possible with the documentation.

You also want to make sure you check if the damages are covered by the insurance before you reach out to a property damage and homeowners lawyers in Louisiana. Take photos and videos and document any damage you have suffered to your property. If your home was broken into, you must also file a police report.

2. Contact the insurance company regarding damage to property

The insurance company must be informed of the incident as soon as possible. You do not want to wait several weeks before notifying them of damage, as there may be some things that are unclear.

The insurance company will notify you if the damage is covered by the insurance and give an estimate of how much you are expected to pay for the damage. Things will be much easier for you if you had an umbrella insurance in addition to your existing coverage.


3. Fill In Property Claims Forms

  How To Claim Insurance In Louisiana

Most insurance companies have made it possible for their clients to fill out online application forms. One of the most important documents that you need to fill out is the proof of loss form. You can not afford to be careful with the information you provide in this form.

The proof of loss is an official, notarized, sworn statement from the insured to the insurer about the extent of damage to their property. The insurance company uses this information as a basis for determining their liabilities for the property loss.

You must provide personal information. It is during the completion of the application form that you provide supporting evidence that can help with the compensation. Once you have come into contact with the insurer, they are required by law to provide the forms within a prescribed time frame.

4. Leave documentation

If there is a loss of property, you must provide sufficient evidence for the same. Having a list of the inventory including receipts makes it easy to get compensation when you file a claim for damages. Most homeowners will only consider receipts once the damage has occurred and cannot substantiate the extent of the damage.


5. Make temporary repairs

Depending on the extent of the damage, you may need to make some emergency repairs while waiting for compensation from the insurers. There are insurance companies that require you to work only with a list of approved contractors. Be sure to keep receipts and quotes as you will need them when submitting a claim.

6. Working with the Judges

  How to Claim Property Damage in Louisiana USA

The compensation you receive also depends on the final report from the adjuster. Insurance companies will be very thorough, especially when it comes to major damage.

To avoid potential problems with the insurance company, make sure you are honest and sincere about the claims. There are homeowners who may be looking to harvest insurance companies and it is not as easy as some people will have it.

Any insurance fraud they discover can jeopardize your chances of getting compensation and may even take you to jail.

To further prove to them that you are honest, you can even hire a public adjuster that we recommended in this article. It was on June 6, 2017 that 5 people were accused in Louisiana by the American lawyer Peter G. Strasser of a staged accident fraud.


7. Getting Repairs and Rebuilt Estimates

You can get damage estimates from local contractors so you are aware of how much it will cost. Having such offers from contractors gives you an edge if the insurance company would like to offer a lowball offer for damages.

8. Receive the payment of your property damage

Once everything has been rationalized and you have accepted the amount, the payment will be issued so that the repairs can be made. If there is a mortgage on the home, the insurance company will probably send two checks, one to the owner and the other to the lender. The lender has the right to know about the damage to the property and the repairs that are made to the property.



Applying for damages in Louisiana does not have to be a complex endeavor if you know how to proceed with the process. It is not always the insurance companies will cooperate. It is important that you get in touch with an experienced lawyer if you have problems with your provider.

Since they are business units, they want to pay as little as possible. They have lawyers and insurance adjusters to protect their interests. You should also get a lawyer who will ensure that you receive maximum compensation for the damages.

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