Louisiana Insurance Dispute and Denial Attorneys
Knowledgeable representation for policyholders across the Southeast
An insurance policy is a contract between you and your insurance company. You agree to pay your premiums, and the insurance company agrees to pay you for covered losses when they occur. This is the way it’s supposed to work – quickly, efficiently, and fairly. However, many insurance companies don’t like to hold up their end of the bargain when it comes time to pay out on your policy.
That’s where Warhurst Law comes in. A Louisiana insurance dispute attorney will fight for property owners to ensure they receive the compensation to which they’re entitled. We know how insurance companies operate, because firm founder Gene Warhurst began his career as a claims adjuster for a major insurance company. He understands the ploys, arguments, and stall tactics insurance companies use to delay or deny payments to policyholders. Contact us today for experienced assistance with your claim.
What kinds of Louisiana insurance disputes does your firm handle?
Warhurst Law is proud to assist clients with a variety of claim disputes, both residential and business. These include:
After a weather disaster, fire, or another destructive event, you may be completely overwhelmed. In less than a day – even less than an hour – everything you’ve worked for is gone. Hurricanes, floods, and wind are not uncommon down here in the Gulf Coast and New Orleans area, and you make your insurance payments on time to ensure you don’t lose everything. Our attorneys negotiate with insurance companies and adjusters to reach fast, fair settlements so you can rebuild even stronger.
What is “insurance bad faith” and how does it apply to my policy?
Louisiana state law requires insurance companies to act in good faith. What this means is that insurers have a responsibility to their insured to handle claims in a timely, efficient manner and make reasonable efforts to settle all claims. If an insurance company intentionally commits any of the following, they may be acting in bad faith, and if found liable can be penalized under the law. Penalties include paying your losses, fines, and attorney’s fees. The insurance dispute attorneys at Warhurst Law can help prove when a company is acting in bad faith.
Under Louisiana statute, an insurance company is acting in bad faith if they knowingly commit one of the following:
- Manipulate or misrepresent the language in your policy for their own benefit
- Fail to pay an agreed-upon and written settlement within 30 days
- Alter the policy without your knowledge or consent, then use that change to deny your claim
- Mislead you on how long you have to file, have an inspection, or get your payout
- Fail to reimburse you within 60 days of providing evidence of property damage
- Fail to settle your claim without a legitimate reason
Remember, insurance companies don’t stay in business by paying out every claim. However, we make it our business to ensure your claim is handled correctly and fairly.