Denied Insurance Claim Lawyers in Louisiana
A policy of insurance is more than just a piece of paper—it is a fiduciary indemnification contract.
What does that mean for you? A fiduciary is someone legally required to act in your best interest. In simple terms, the insurance company is required by law to treat your claim with the same care and importance as if it were their own money at stake. They have a duty to compensate you for any loss covered under the terms of the policy.
The insurance company received your premiums year after year. Now that you need them, they owe you the coverage you paid for.
First Party Claims vs. Third Party Claims
When you file a claim against your own insurance company, it is called a First Party Insurance Claim. Because of the fiduciary relationship, the law holds the insurance company to a much higher standard in dealing with you than if they were dealing with a stranger (a third-party claim).
If they deny your claim, they cannot simply say “no.” They must have a good faith, reasonable basis for doing so.
Recovering Damages for "Bad Faith" Denials
If the insurance company is found to have unreasonably denied your claim, they may be breaking Louisiana law.
- Bad Faith Damages: If we prove the denial was arbitrary or capricious, the court can award you damages on top of your original claim amount.
- Severe Implications: A denial can ruin your finances or business. You need an experienced insurance attorney to counsel you through the litigation process.
Our Track Record: Fighting Since Hurricane Katrina
The Berniard Law Firm filed thousands of lawsuits against insurance companies after Hurricane Katrina. During that time, the denial of claims was the standard operating procedure for many insurers.
We fought for our clients’ rights and recovered millions of dollars from insurance companies after they wrongfully denied valid claims.
- We know their tactics: We have the expertise to protect your rights in these complex matters.
- Results-Oriented: Not all denial lawsuits go to court. Many settle for substantial sums once the insurance company realizes we are holding them accountable for their egregious actions.
Speak With a Denied Insurance Claim Attorney Today
Call us at (504) 521-6000 to speak with a Berniard Law Firm Attorney about your case.
You can also complete our contact form, and an attorney will contact you within 4 hours.
- Free Consultations: It costs nothing to talk to us.
- No Fee Unless We Win: All cases are handled on a contingency fee basis. This means there are no costs to you unless a settlement or award is adjudged by the court.
You have nothing to lose. Call today so we can begin working on your case immediately.
Co-Counsel and Expert Consultation Services
The Berniard Law Firm is happy to take on any role necessary to help individuals and businesses in their fight against insurers. We have worked as lead counsel, co-counsel, and provided expert consultation services for:
- Corporate counsel and risk managers
- Public insurance adjusters
- Contractors and corporations
We assist during claims adjustment, investigation, litigation, and all phases of the process to resolve coverage disputes. Call the Berniard Law Firm today to speak with an attorney regarding our services.