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Fire Loss Insurance Dispute Lawyers in Louisiana

Help for policyholders with fire and smoke damage throughout the Gulf Coast

Fires are one of the most terrifying events that can happen to a home or business owner. They can start quickly and without warning, and engulf an entire building in flames, sometimes before the fire department can even respond. When you count on your property insurance to help you rebuild and they deny your claim, it can feel like suffering the disaster all over again.

The Insurance Information Institute (III) reports that, in 2018, fire departments across the country responded to a fire every 24 seconds. That same year, FEMA reported fire losses totaled $25.6 billion, up from $23 billion in 2016. The Louisiana insurance dispute attorneys at Warhurst Law have decades of experience working with insurance companies on fire loss, and will not back down when they attempt to deny your claim. Partner Gene Warhurst uses his past experience as an insurance adjuster to prevent your insurance provider from acting dishonestly or unfairly.

What kinds of property damage can be caused by fires?

If you’ve experienced fire damage in your Louisiana building or residence, you should start by documenting as much of the destruction as you can. Common types of damages from fires include:

  • Ash residue and paint discoloration
  • Broken windows
  • Business income loss
  • Loss or damage to belongings
  • Property loss
  • Roof damage
  • Smoke damage
  • Structural damage
  • Temporary living or business expenses
  • Vehicle loss or damage
  • Water damage

As you can see, whether it’s a residential or commercial fire, whether big or small, fires cause extensive damage. Experienced insurance attorneys can help you submit your claim to ensure it’s as strong as possible. And if the insurance company denies your claim, the team at Warhurst Law steps up to fight for you.

Our Case Results

$11 Million Hurricane
Hurricane Katrina property damage of New Orleans apartment complex settled pre-suit.

Katrina Settlement

$2.4 Million Settlement in Commercial Tornado Claim
Warhurst Law secured $2.2 million in additional recovery for a lumber mill damaged in a tornado.

Tornado Claim

$2.226 Million Fire Loss Settlement
Warhurst Law secured more than $2.226 million in additional recovery for a Baptist Church

Fire Loss Settlement

$1.3 Million Car Crash Settlement
Client was in a car accident resulting in severe brain damage.

Car Crash Settlement

$26 Million Hurricane Katrina Settlement
Hurricane Katrina loss of New Orleans Apartment complex previously offered $3 million.

Katrina Settlement

Why did my insurance company deny my fire damage claim?

The most common reason an insurance company will deny a fire damage claim is arson. Typically, fires are covered under standard homeowner’s  and business insurance as a covered peril. However, arson is not, so many New Orleans and Louisiana insurance companies will force you to confirm a fire was not arson. Our attorneys can work to prove your case.

Other reasons an insurance company may attempt to deny or delay fire damage claims include:

  • Claiming damage isn’t covered by your policy
  • Saying the damage is merely cosmetic in nature
  • Saying you’ve missed a payment
  • Underestimating or underpaying repairs so they come in below your deductible
  • Delaying your claim for unknown reasons

What is bad faith when it comes to fire insurance coverage?

Your property insurance company owes you a duty of good faith. You pay your premiums fully and on time, and in return the insurance company implicitly promises to fulfill their part of the contract in the event of disaster or loss. If they fail to do so, they may be acting in bad faith and you may be eligible for damages for breach of contract. Examples of bad faith on the part of your Louisiana insurance company include:

  • Denial without direct or substantial evidence
  • Failure to attempt to make a reasonable offer to settle despite sufficient evidence of damages
  • Failure to provide a proper investigation
  • Failure to provide a reason for denial
  • Misleading you on policy provisions or statutes of limitations
  • Misrepresentation of facts
  • Threatening retaliation if you seek legal counsel

The attorneys at Warhurst Law recognize these types of actions for what they are and can take control of the process so you can focus on rebuilding and repairing your home or business.

Our record of success

Warhurst Law’s decades of experience have helped countless clients get the compensation and reimbursement they deserve. Just a few of our successful outcomes include:

  • $1.79 million in additional funds for a church fire
  • $973,003 in additional funds for a church fire
  • $483,019 in additional funds for a residential fire
  • $395,329 in additional funds for a residential fire

What are the top causes of accidental fires in Louisiana?

According to the National Fire Protection Association (NFPA), the top causes of fires (non-criminal) are:

  • Cooking. The number-one cause of house fires in the U.S., unattended cooking causes thousands of injuries each year.
  • Heating. Local fire departments respond to an estimated 52,000 fires related to heating equipment per year between 2012 and 2016. These fires resulted in 490 deaths and $1 billion in property damages.
  • Electrical. Blown fuses, overloaded circuit breakers, or improperly used extension cords can all spark an electrical fire. Wiring and related equipment accounts for approximately 7% of house fires each year.
  • Smoking. Smoking products, like cigarettes, cigars, and pipes accounted for 5% of house fires in 2014, with 570 deaths and 1,140 injuries. These types of fires resulted in $426 million in property damage.
  • Candles. Between 2013 and 2017, candles caused 7,900 home fires. On average, fire departments respond to 22 home candle fires per day, with the two peak fire days being Christmas and Christmas Eve.

Fires can happen for many reasons, and start in the blink of an eye. And when they do, our attorneys know you need help and you need help fast. Let us help get your insurance company moving.

Tenacious Louisiana fire insurance dispute attorneys fight for you

If you’ve experienced fire or smoke damage in your residence or business and your insurance company refuses to cooperate, the attorneys at Warhurst Law can help. Fires cause immense and catastrophic damage that you simply cannot pay out of pocket. We launch a full investigation to determine the full and fair amount of your losses and ensure they are covered. To make an appointment for a consultation, call 251-694-1932 or complete our contact form. We represent clients on the Gulf Coast, New Orleans, and throughout the Southeast.

* Warhurst Law cannot and does not guarantee an outcome to any case.