Most people mistakenly believe that their homeowners insurance policy includes flood damage caused by natural disasters, leaks, and pipe damage. However, most homeowners insurance policies do not cover flood damage. Most insurance companies require homeowners to take out a separate flood insurance policy in addition to their homeowners insurance policy. Careful review of your flood insurance policy and homeowners insurance policy lessens risk of surprise in an already difficult time in your life. However, if your flood damage was denied by your insurance, contact the lawyers at The BFH Law Group to review your appeal options. How Do I Appeal a Flood Insurance Policy? If your insurance policy denied your flood claim, you might consider appealing. If the National Flood Insurance Policy (NFIP) covers your policy, you may file an appeal directly through the Federal Emergency Management Agency (FEMA). On appeal, FEMA works with you and your insurance company, to gather facts regarding your claim, review the policy, and provide a claim decision. Filing an appeal with FEMA requires no fee. However, you must file your appeal within 60 days of the date of your insurer’s denial letter. If your flood damage was denied by insurance, FEMA encourages you to work out your dispute with your insurer first. If a private insurance company denied your flood insurance claim, you must appeal directly to your insurance company. What Doesn’t Flood Insurance Cover? Even if you do not live in a flood-prone area, you may consider purchasing flood insurance for your home. Many homeowners insurance policies do not cover flood damage. The following are typically covered by flood insurance within the NFIP: Essential systems in the home, including electrical, plumbing, furnaces, water heaters, air conditioners, heat pumps, and sump pumps; Cisterns, fuel tanks, solar energy equipment, water tanks, and pumps; Home appliances including refrigerators, ranges, dishwashers, washing machines and dryers, and freezers; Carpeting and window coverings in the home; Permanent bookshelves, cabinets, and paneling; Foundation walls and staircases; A detached garage; Personal property like clothing; and Certain personal valuables. Despite this list, if you opt for coverage through a private insurance company, you should review a potential flood insurance policy carefully for coverage information. What Is Not Covered by Flood Insurance? According to the NFIP, the following instances of damages generally fall outside flood insurance coverage: Moisture or mildew that is avoidable by the homeowner; Currency, precious metals, and paper valuables, like stock certificates; Outdoor property such as decks, fences, patios, landscaping, wells and septic systems, hot tubs, and swimming pools; Living expenses like temporary housing if you are displaced; and Cars, boats, and similar vehicles. If you have flood insurance through a private insurer, contact them to determine exclusions under your policy. What to Do If You Were Affected by Hurricane Laura Despite hurricanes occurring every year in Louisiana and Texas, the devastation they continue to cause never ceases. Hurricane Laura barreled through Louisiana and Texas, causing widespread destruction to everything in its path. If you’ve suffered flood damage due to Hurricane Laura, contact the hurricane claim lawyers at The BFH Law Group. We have decades of experience representing clients. We understand the devastation and heartache you feel. Your case is essential, and our attorneys are here to take action on your behalf.Keep Reading
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Lake Charles, LA (Oct. 15, 2020) – A family is rebuilding their southern Louisiana home after it sustained severe damage from Hurricane Laura and Hurricane Delta. The house was previously rebuilt in 2017 due to flooding brought by Hurricane Harvey. The Walker family home stands near the Black Bayou in Lake Charles. The family had to gut their house and replace the bottom half of every wall after Hurricane Harvey. This year, the house sustained structural damage from Hurricane Laura and endured severe flooding after Hurricane Delta made landfall. The house’s damage from these hurricanes was more critical than in 2017, so the entirety of the walls and the roof will be demolished and replaced this time. As they tear their walls down again, the Walkers said they are finding scripture lines that they wrote on the wooden structural beams in 2017. They said these passages are helping them persevere through this uncertain time. Source: KPLC TV Contact an Experienced Insurance Attorney Today Unfortunately, hurricanes happen far too often in Louisiana. At The BFH Law Group, we understand the devastating impacts these hurricanes have on local families. If your property is damaged in a hurricane, and your insurance company denies your claim, contact one of our Houston or New Orleans insurance attorneys at 866-762-0302 to set up a free consultation. We have experience in hurricane-related insurance and property claims and can help you receive the compensation you need to rebuild your home.Keep Reading
Alexandria, LA (Oct. 15, 2020) – FEMA continues to provide guidance for individuals seeking assistance in the aftermath of Hurricane Laura and Hurricane Delta. A local news station incorrectly shared that FEMA can reimburse hurricane victims for gas used to power generators or for transportation. The organization clarified that it cannot compensate individuals for these expenses, and survivors should not take receipts to disaster relief centers. However, FEMA said it can help individuals cover the cost of new generators, chainsaws, carbon monoxide detectors, humidifiers, and dehumidifiers that were purchased due to home damage caused by one or both of the hurricanes. Individuals applying for reimbursements for these purchases should note that: They must be eligible for general FEMA assistance; They must provide proof that they purchased the product after Hurricane Laura made landfall; and FEMA can reimburse individuals up to $449 for generators and $179.99 for chainsaws. FEMA said that its housing assistance program aims to ensure that people have safe, sanitary housing. The program is not an insurance policy that covers extensive property damage. If an individual’s home did not sustain damage affecting its essential living spaces, the individual might not be eligible for FEMA’s housing assistance. FEMA can also help supplement childcare costs if a family lost income due to the hurricanes. FEMA will reimburse eligible families for up to eight weeks of childcare, or $1,500, whichever is a lesser amount. Families can apply for financial assistance through the Other Needs Assistance program. The most common reasons that FEMA denies assistance claims are lack of documentation and lack of serious damage. The organization encourages individuals to appeal their denied application if they can provide additional documentation to substantiate their claims. Individuals wishing to begin the appeals process can call 800-621-3362. Source: KALB Contact an Experienced Hurricane Attorney Today Hurricanes are all too common in states like Louisiana. At The BFH Law Group, our attorneys understand the devastating impact these storms can have on families and communities. If your property sustained damage from Hurricane Laura or Hurricane Delta and you are unable to recover the assistance you need, our knowledgeable attorneys might be able to help. We have experience with hurricane-related property and insurance claims. To set up a free consultation, call 866-762-0302.Keep Reading