Insurance Cancelled Without Notice?
Your Policy May Still Be Valid. We Can Prove It.
There is nothing more terrifying than filing a claim after a disaster only to be told, “Your policy was cancelled months ago.”
Insurance companies must follow strict legal guidelines when they cancel a policy. They cannot simply flip a switch in their system and leave you unprotected. In Louisiana, specific statutes require insurers to provide written notice of cancellation to the insured within a set timeframe before coverage ends.
If you were not properly notified, your cancellation may be legally invalid, meaning the insurance company is still on the hook for your losses.
Common Tactics Insurers Use to Drop Coverage
At the Berniard Law Firm, we have seen every trick in the book. In almost every dropped coverage case we handle, the insurance company starts by denying any wrongdoing. It takes tenacity to force them to admit the truth.
We frequently expose tactics such as:
- The “Wrong Address” Defense: Sending notification to an old or incorrect address, despite having your current contact info on file.
- The “Phantom” Letter: Claiming they sent notification, but having no proof of mailing (Certified Mail receipts, etc.).
- Changing Stories: We have seen insurers claim they sent notice, only to change their story once our attorneys got involved and requested the physical evidence.
We Make Them Pay for Your Losses—And Our Fees
f your insurer failed to follow the law, you can file a claim against them for the full amount of the losses that should have been covered.
But it doesn’t stop there. Because these actions often constitute bad faith, the Berniard Law Firm has been successful in securing settlements that cover:
- The original loss (your home, car, or business repairs).
- Attorney’s fees and court costs.
Since the aftermath of Hurricane Katrina, our attorneys have successfully sued insurance companies for “silent cancellations.” We have the special expertise required to track down mail logs, internal notes, and procedural errors that prove the insurer dropped the ball.
Speak With a Berniard Law Firm Attorney Today
Do not let an insurance company tell you that you are uninsured without a fight.
Call us at (504) 521-6000 to speak with an attorney about your dropped coverage case. You can also complete our contact form, and we will be in touch within 4 hours.
No Cost Unless We Win. All initial consultations are free. We work on a contingency fee basis, meaning there are no costs to you unless we win a settlement or court award. You have nothing to lose—call today so we can investigate your cancellation immediately.
Co-Counsel and Expert Consultation Services
The Berniard Law Firm stands ready to assist other attorneys and businesses in high-stakes insurance disputes. We have served as lead counsel, co-counsel, and expert consultants for corporate risk managers, public adjusters, and contractors.
If you are facing a complex coverage dispute involving procedural cancellation errors, call the Berniard Law Firm today to leverage our specific experience in this niche field.