Flood Policy Claim Dispute Lawyers in New Orleans
In Louisiana, flood insurance is often a necessity. But when a flood devastates your property, navigating the claims process can be incredibly complex.
Flood insurance policies are typically adjusted and administered by your private insurance company, but they are paid out by the National Flood Insurance Program (NFIP). The NFIP, administered by FEMA (Federal Emergency Management Agency), was created by the National Flood Insurance Act (NFIA).
Because these are federal programs, flood insurance claims are governed by strict—and sometimes complex—rules. It is often difficult for insured parties to receive the full amount they are entitled to.
Understanding "Write Your Own" (WYO) Insurers
While the NFIP is a federal program, most people deal with private insurance companies known as Write Your Own (WYO) insurers.
Since 1983, these private companies have engaged in providing flood insurance, writing policies and processing claims for the NFIP in exchange for an expense allowance.
- Who is Responsible: When your policy is through a WYO insurer, that insurer is solely responsible for adjusting, settling, and paying the claim.
At Berniard Law Firm, we understand the unique challenges of these hybrid federal/private claims. We know the strict deadlines and the specific evidence required to prove your loss under NFIP regulations.
Don't let the complexity of the system prevent you from getting the funds you need to rebuild.
If you are facing a dispute over a flood insurance claim, contact us today. We will review your policy and your claim to ensure your rights are protected.
Common Flood Claim Disputes
We handle a wide range of disputes, including:
- The “Wind vs. Water” Battle: Insurers often try to deny coverage by claiming damage was caused by wind (covered by homeowners insurance) rather than floodwaters, or vice-versa, leaving you stuck in the middle.
- Denied Claims: Your claim may be denied based on technicalities, alleged pre-existing damage, or a misinterpretation of your policy’s exclusions.
- Underpaid Claims: The insurer’s adjuster may provide an estimate that is far below the actual cost to repair or rebuild your property to its pre-flood condition.
- NFIP Proof of Loss Deadlines: The NFIP has strict, unforgiving deadlines for submitting a “Proof of Loss.” Missing a deadline can completely bar your claim, even if you have a valid case.
We Take On the NFIP and Private Insurers
Whether your policy is with a private company or backed by the federal government’s NFIP, you need an attorney who understands the specific laws and strict timelines that apply.
We work with independent adjusters, engineers, and contractors to build a solid case for the full value of your loss. We handle all communication with the insurance company, ensuring your rights are protected at every step.
Don’t let an insurance company wash away your financial future.
If you are facing a flood policy claim dispute, Call us at (504) 521-6000. We will review your policy and your claim for free to help you understand your options.