HELPING LOUISIANA RECOVER
Demanding Full & Fair Payments From Flood Insurance Companies
We Can Help You
Let our appraiser, rather the one hired by the insurance company, give you a fair appraisal of your loss. We will evaluate your property loss and negotiate a complete settlement of your flood policy claim. You will be involved in every step of the process but with the support of our legal and estimation team.
We are dedicated to helping Louisiana recover from the Great Flood of 2016. Full and fair payments to victims from flood insurance companies are a critical part of that recovery. We want to make sure that happens.
Consultation is free. Contact us today by filling out our form below or by calling us at 888-76-FLOOD (888.763.5663).
Contact Us
Frequently Asked Questions
Standard homeowner’s insurance policies do not cover flood damage.
A standard flood policy covers up to $250,000 for the structure of the home and $100,000 for personal possessions. Structural damages are calculated using either replacement cost, which will pay the amount needed to rebuild or repair the home to the condition it was in prior to the flooding or actual cash value which will only pay the replacement cost minus the depreciation. Whether your policy is a replacement or actual cash value depends on the value of your home and the size of your insurance policy. Damages to personal possessions, however, are calculated using actual cash value. In other words, the older the possessions are, the less value the homeowner will be able to recover. Excess flood policies to cover damages in excess of $250,000 in structural damage and $100,000 in damages to personal property are available.
A flood insurance policy is obtained from an insurer that is authorized to issue and administer policies through the National Flood Insurance Program (NFIP), a program established by Congress in 1968 to help provide means for homeowners to protect themselves. It is typically an insurance company who issues and administers the policy. Some policies are also issued directly by FEMA
The federal government, through FEMA, issues some monetary relief, up to $33,000, for people affected by the flood. But that relief is not for flood policy claims.
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