More than 60 days after Hurricane Laura ravaged Southwest Louisiana, a business owner in Lake Charles still had not received any money from its insurance company to repair the extensive property damage. The initial report from the insurance company left out countless damages and issues to the property that required immediate repair. We were retained and within 48 hours fired off our demand letter detailing the insurance companies mistakes and legal ramifications that would ensue. Within 2 weeks, the insurance company tendered the policy limits of $2,400,000!


The aftermath of a disaster can push may people over the edge. We know. We’ve been there. We have handled property damage claims resulting from hurricanes and hail storms for over 14 years assisting contractors, homeowners, and commercial clients.

We will take the time to review your policy and provide competent, cost-effective representations. Not every claim can pay the same legal fees. We recognize this and will custom tailor our compensation based upon your situation. We know you need as much money possible to pay contractors to repair your home or building to the condition it was prior to the storm.

Others have trusted us for years. Let us fight for you!

LA Law Requires Insurance Companies to Act in Good Faith

Pursuant to La. R.S. 22:1982 [click HERE to view the full statute], insurance companies must pay or make a settlement offer on any claim due to an insured within 30 days after receipt of satisfactory proofs of loss.  If there is a presidentially or gubernatorially declared disaster, the time period may be extended to 60 days.  There are substantial penalties a homeowner or business owner can levy upon their insurance company for a failure to timely pay.  Currently, Louisiana law allows for a penalty of 50% of the amount due plus reasonable attorneys fees and costs if the failure is found to be “arbitrary, capricious or without cause.” Id.  The Louisiana Supreme Court has stated an insurance company cannot stonewall an insured simply because the insured is unable to prove the exact extent of his damages.  The insurance company must tender any undisputed amount.

This is one of the few instances where a claimant can collect attorneys fees under Louisiana law.  This is a power tool in your arsenal to push back against your insurance company if they are not treating you fairly and are in violation of this law. Contact us today if you believe your insurance company has not acted in good faith in violation of this law!

Deductibles with 2 Named Storms

Pursuant to the Annual Deductible Law in Louisiana found at La. R.S. 22:1337 [click HERE to view the full statute], deductibles from insurance policies insuring a one or two family owner occupied home “shall be applied on an annual basis to all named-storm or hurricane losses.” Id.  So if you have met your deductible due to damage sustained from Hurricane Laura, you generally would not have to pay a second deductible for damages sustained due to Hurricane Delta per the statute.


Please note an insurance contract is a legally binding private contract between you and your insurance company. It is important to obtain a full copy of your insurance policy from your insurance company to fully understand your rights. Every case will be different. It can take weeks before a copy of your policy is given to you after your request, so request it now.  Insurance polices can be extremely confusing, even for experienced lawyers. Be sure to question whomever you call on their experience handling property damage claims resulting from hurricanes.  With 14 years experience handling hurricane and hail claims, Broussard | Dove has the experience to provide you with competent, cost-effective representation.

More information of what to do when filing your claim or the process involved can be found HERE.





DISCLAIMER: The information provided above and on our website does not, and is not intended to, constitute advice.  The information provided is for general informational purposes only and may not constitute the most up to date legal or other information. Any links to third party websites are only for the convenience of the reader. Broussard | Dove makes no representation or warranty as to the accuracy of the third party website information. Readers of this website should contact their attorney to obtain advice with respect to any particular legal matter.  No reader, user, or browser of this site should act or refrain from acting on the basis of information on this site without first seeking legal advice from counsel in the relevant jurisdiction.  Only your individual attorney can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation.  Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client relationship between the reader, user, or browser and website authors, contributors, contributing law firms, or committee members and their respective employers.