Property Damage and Insurance Claims

Timely Make an Insurance Claim After You Suffer Property Damage

Your home is a cherished asset where you raise your family and create lasting memories. It also represents your financial security. If your home sustains damage from a weather event, fire, burst pipe, or flood, you should seek compensation from your insurance company. You pay your insurance premiums on time to protect your home, but insurance companies sometimes hesitate to pay claims in full.

As a policyholder, you have the right to receive full compensation according to the terms of your insurance policy. However, insurance companies may try to avoid paying claims or pay less than you deserve to save money.

At Binegar Christian, LLC, we have a strong track record of successfully handling property damage claims against insurance companies. We guide clients through the claims process to ensure their insurance company treats them fairly. We are here to assist you with claims following severe weather, fires, burst pipes, or floods.

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Our Commitment to Your Insurance Claim

At Binegar Christian, we specialize in property insurance claims and are dedicated to serving our clients with care and commitment. We offer personalized attention and unwavering support for our clients through the following values:

Relentless Advocacy

Our firm was established during the challenging times of Hurricane Katrina litigation, and we've been dedicated to advocating for fair compensation in property insurance claims ever since. We stand up for homeowners' rights against insurance companies, private corporations, and government entities at all levels.

Care and Attention

With our focus on property damage insurance claims, we offer exceptional legal guidance to our clients. As a small firm, we provide personalized service from our team of experienced attorneys and experts. We understand the complexities of property damage insurance claims and are committed to providing homeowners with the legal advice they need. From consultation to litigation, our team supports you every step of the way..

No Fee Until We Win

We recognize the financial burden that property damage can impose on homeowners. To alleviate this stress, we do not charge any upfront fees. You only pay us once we have successfully recovered compensation for you. Our confidence in our abilities allows us to offer this approach, providing you with peace of mind during a difficult time.

Property Damage Insurance Claims in Louisiana

Louisiana frequently experiences storms and natural disasters that can cause significant property damage. In addition to these events, property damage can also result from fire, burst pipes, or other incidents covered by your insurance policy. At Binegar Christian, we have extensive experience handling all types of property insurance claims..

Common Types of Property Damage

Louisiana homes often face damage from hurricanes, tropical storms, severe thunderstorms, hail storms, floods, fires, burst pipes, sewer backups, and construction vibrations. Whether the damage comes from weather events or other incidents, homeowners need to act promptly to protect their property's value and safety

The types of property damage we often see at Binegar Christian, LLC include:

Natural Disasters

Severe storms and hurricanes can pose significant threats to homes and businesses in the region. Wind, hail, and flooding can cause serious damage, making it important for homeowners to seek the maximum compensation from insurance companies.

Floods

Flooding is a major cause of property damage and is regulated by federal laws under the National Flood Insurance Program. There are strict rules for filing flood insurance claims, and delays or mistakes can result in claim denial. Consulting an experienced flood attorney is essential when making a claim.

Water Damage

Many of our clients have experienced water damage from leaks, broken pipes, and sewer backups. Your homeowner's insurance policy likely covers these types of damages, but insurance companies often try to use policy exclusions to deny such claims.

Before accepting an insurance company's decision that a water damage claim is not covered or is significantly limited, it's important for homeowners to consult with an attorney who is experienced in property damage insurance claims. This can help ensure that you receive the compensation you deserve

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Fire Damage

When your home is affected by a fire, your homeowners’ insurance policy most likely provides coverage. Fire damage is often far more involved than it first appears. Even small fires can cause extensive smoke damage to the dwelling and contents, not to mention the damage caused by the attempts to put out the fire.

Accidents and Collisions

There may be instances where a structural failure or vehicle collision causes damage to your property. When this is because of someone else’s negligence, you may be eligible for compensation. We’ll review the facts of the incident and pursue what you deserve.

Your Steps for an Insurance Claim

When property damage occurs, time is of the essence. Your first actions can make a measurable impact on the success of your claim. Once you reach out to Binegar Christian, LLC, we’ll take all proper steps to insure maximum recovery on your claim.

Contact Your Insurance Provider

Once you are safe, be sure to call your insurance provider as soon as possible. The earlier you contact your provider, the better. Make sure you provide your insurance policy number and make sure the insurance company provides you a claim number to your claim.

Document All Property Damage

Take photos and videos of the property damage. Capturing a variety of angles and damage from the interior and exterior of your home is important.

Obtain a Professional Assessment

Contact Binegar Christian, LLC. We will assign an experienced professional to assess the damage. They will be able to detail the extent of the damage and the approximate cost of any repair or replacement.

Consult with Binegar Christian, LLC

Reach out to us for a free consultation regarding your property damage claim. We’ll take the claims process out of your hands so you can focus on the recovery process.

Our Process for Maximum Compensation

Our goal is to take the property damage and insurance claim process off your shoulders. Once you’ve submitted your claim, we’ll make sure that you receive prompt and full recovery for your damages. We do so through the following proven process:

Consultation

We’ll start by providing you with a free consultation. We’ll listen to your story and provide an initial review of your rights and best course of action.

Preparation

If we determine areas where your claim could be made stronger, we’ll make the proper preparations. Expert assessments and additional documentation may strengthen your case.

Evaluation

Once you’re ready to begin, we’ll take a deeper look at the facts of your case. We’ll review your insurance policy, evidence of damage, and potential liability.

Negotiation

We’ll take the discussions with insurance providers off your plate. We’ll handle all negotiations for a fair settlement, advocating relentlessly on your behalf.

Planning

Navigating the insurance claims process requires strategy. Once we understand your case, we’ll develop a winning course of action to pursue a fair claim.

Litigation

If needed, we are fully prepared to pursue litigation with your insurance provider. We’ll go head-to-head if any challenges arise, ensuring that you are not underpaid for your claim.

Our Roadmap for Success

Homeowners face countless challenges when pursuing property damage insurance claims. At Binegar Christian, LLC, we’ve handled many of these roadblocks in pursuing claims for our clients. For example:

Claims Denial or Underpayment

When insurance companies deny or underpay claims, we don’t stop. We'll review your policy and the incident to develop a strategic and strong case. We continue negotiating and pursuing the litigation process until we reach a fair settlement or judgment at trial.

Confusing Policy Terms

Insurance policies are often confusing—on purpose. Terms can be challenging for clients to understand. We have the ability to break down this language for you. We aim to ensure that we inform you about your coverage and its limitations.

Delayed Claims Processing

Sometimes, insurance companies take a long time to process claims. This is especially true when they are handling a surplus after a natural disaster.

As a homeowner, time is of the essence. You can’t wait too long to repair your home, as the damage will only get worse . This is why we push for efficient assessments and quick compensation.

Secure Your Future with a Free Consultation

Don’t face the aftermath of property damage alone. When you need an advocate to stand up to insurance companies, reach out to Binegar Christian, LLC.

Disagreements with Insurers

Challenges may arise when insurers disagree with the facts of the claim. They may try to blame the loss on another cause—pre-existing damages, construction defects, etc. We’ll pursue your claims aggressively and present proof of your claim. When this doesn’t work, we’ll pursue litigation.

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Frequently Asked Questions

In Louisiana, the time to file a property damage claim depends on your policy, the event, and the damage. For example, Louisiana law overrides insurance policy deadlines if a natural disaster occurs. This law allows policyholders to make claims up to 180 days after a loss occurs. On the other hand flood claims often have to be made within sixty (60) days of the flood event.
For all types of property damage, it is important to act quickly. We can help you understand the terms in your policy to ensure you act within their specified time frame.
Depending on the policy you hold, coverage can vary. Homeowners’ insurance typically covers water, fire, natural disasters, vandalism, and accidents.
Conducting a careful review of your policy is important to understand what it covers. The attorneys at Binegar Christian, LLC can also review your policy and explain clearly what it includes.
This entirely depends on who your insurance provider is and their policies regarding insurance premiums. Your premium may or may not increase. Be sure to talk to your insurance provider to fully understand how claims affect your premium.
Expert assessments and estimates, as well as your specific policy terms, will determine your potential compensation. You must contact a professional to assess your damage and determine the estimated costs of repairs. Their assessment will be a factor in the compensation you receive, and this evaluation will make your claim even stronger.
Yes, typically you can choose your contractors for repairs. Your insurance company may provide a list of preferred contractors—but going this route may not be the best solution. By choosing your contractor, you can better manage the contract and repair process.
If additional damage occurs, you may have time to reopen the case. Usually, insurance policies have language regarding these events. Make sure you understand your policy's details so you can claim for any extra damage that happens.
It depends on a variety of factors. Insurance companies are notorious for taking their time to investigate insurance claims. Louisiana law does not outline an exact deadline. We expect insurance companies to accept or deny within a reasonable amount of time.
However, once a settlement has been agreed to in writing, insurance companies have 30 days to pay the policyholder. Louisiana law holds insurance companies to this deadline.
If your insurance company is holding up your claim, it's important for you to pursue legal action. Experienced attorneys like the team at Binegar Christian, LLC can hold your insurance company accountable. We have experience in achieving an efficient, fair result for our clients.
We recommend getting in touch with an experienced attorney as soon as the damage occurs. Having legal representation throughout the entire process is beneficial. We can help you review your insurance policy, navigate the claims process, and hold your insurance company accountable.
Having legal representation is especially important when someone denies, delays, or provides insufficient compensation. We can handle all negotiations and pursue litigation if needed.
If your insurance company handles you claim in bad faith, you can pursue legal action. Bad faith practices typically include unreasonable denials, improper investigations, and deceptive practices. If you believe your insurance company has engaged in this behavior, consult with our team to determine the validity of your case.