After a hurricane hits, your first instinct is usually: “Let’s clean this up as fast as possible.” Totally understandable. But before you start hauling debris to the curb or ripping out wet drywall, there’s one step that can make or break your insurance claim: Take photos. A lot of them. Because once it’s gone…you can’t …
Delayed Hurricane Claims: What Insurance Companies Are Hoping You’ll Do
After a hurricane, everything feels urgent. You’re dealing with damage, stress, maybe even being out of your home… So you file an insurance claim expecting things to move quickly. And at first, it might. You get a call. An adjuster comes out. There’s some communication. Then…things slow down. Emails do unanswered. Weeks pass. You’re left …
How Named Storm Deductibles Work in Louisiana (And Why They Surprise People)
Most people don’t think about their insurance deductible…Until a hurricane hits. Then suddenly, they’re staring at a number that feels way bigger than expected. And the question comes up fast: “Wait—why is my deductible so high?” If you live in Louisiana, there’s a good chance you’re dealing with something called a named storm deductible, and …
What If Your Roof Was Already Old Before the Hurricane?
Hurricanes don’t exactly give you a heads-up. One day everything looks fine… The next, you’re staring at missing shingles, leaks, or worse. And then the question hits: “Wait…what if my rood was already old before the storm?” Does that mean your insurance won’t cover anything? Not necessarily. But this is where things can get a …