Water that rose, wind that tore, and who pays for which
Many homes in south Louisiana carry a flood policy and a homeowner's policy, and the two cover different water. After a storm the claim often turns on one question: did wind or rising water do the damage?
An insurer can answer in whichever way costs it less. We collect the weather records, the water line, an engineer's reading and the policy's own definitions, and ask for a decision that fits all four.
We take
Flood policy claims
Wind, hail and roof damage
Wind-or-water disputes
Proof of loss and appraisal
Before the cleanup is finished
Four things worth doing while the water goes down, whoever your insurer is.
- 01
Step 1: Photograph first
Walls, floors and belongings as they are, with a ruler or a tape beside the water line.
- 02
Step 2: Mark the water line
Write the height and the date on the wall, and photograph it. It tells the story later.
- 03
Step 3: Keep samples
Hold on to a piece of ruined flooring or drywall where you can. Adjusters sometimes ask.
- 04
Step 4: Save every receipt
Pumping, hotel stays, dumpsters, fans and the rented generator all count.
Two more sample matters
$37,800 paid
Raised house, flood policy
The first payment covered the ground-level room only. The insurer added the utility area beneath after a measured drawing.
2024
Filing accepted
Filed past the insurer’s date
The insurer said it came late. The extension letter in its own file said otherwise.
2023
These are sample matters, not promises. Every claim turns on its own policy and facts, and past results don't predict the outcome of yours. Dollar figures are what the insurer paid, before fees and costs.
Bring us the water line
Send the letter and the photographs you have. We will tell you which policy answers.
We charge no fee unless we recover more than the insurer had offered. The firm advances case costs, such as an engineer's report, and is repaid from a recovery. If there is none, you owe neither the fee nor the costs.