Insights
66 articles on property insurance claims, hurricane and storm damage, policy exclusions, and what to do when your insurer says no.
Every year around St. Patrick’s Day, people gather withfriends and family, wear a little green, and celebrate a holiday that has cometo symbolize resilience, tradition, and a bit of luck. For property ownersdealing…
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Mardi Gras is a time for celebration, tradition, and letting the good times roll. Parades fill the streets, music fills the air, and everything feels vibrant and exciting. For some property owners dealing with damage…
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Winter in the Gulf Coast is often milder than in many parts of the country, but when cold weather does strike, it can cause serious and sometimes unexpected property damage. Because homes in the state are generally…
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When disaster strikes a home or business, the immediate focus is often on safety and recovery. Soon after, however, property owners are faced with the insurance claim process. One of the most important factors…
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When a property damage claim turns into a dispute with an insurance company, the strength of your evidence often determines the outcome of the lawsuit. Insurers rely heavily on documentation and objective proof when…
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For many homeowners, insurance policies feel like dense, complicated documents filled with technical language that’s easy to skim over but hard to fully understand. Yet when disaster strikes, the fine print becomes…
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When disaster strikes—whether it’s a fire, flood, storm, or other loss—policyholders often find themselves overwhelmed by the process of filing insurance claims. In these moments, two professionals often come into…
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Many property owners are surprised to learn that their insurance policies often contain mold exclusions — language that seems to say the insurer won’t pay for any damage caused by mold. At first glance, this can…
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If your home or commercial property has suffered damage, you probably expect your insurance company to step in and help you recover. After all, that’s what you’ve been paying premiums for . Unfortunately, many…
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Filing a homeowners insurance claim can feel overwhelming, especially when you’re dealing with damage, loss, or stress from an unexpected event. Unfortunately, many homeowners discover that simply paying premiums…
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Property insurance is meant to provide peace of mind. Whether you own a home, a rental property, or a business, you expect your insurance company to step in when disaster strikes. However, not all insurers act in…
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Filing an insurance claim is often stressful, especially when it arises from an accident, illness, or unexpected damage. Policyholders trust their insurance company to provide financial protection in these difficult…
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Facing a denied property insurance claim can be both financially and emotionally frustrating, especially when you’re relying on that payout to recover from a loss. Whether it’s damage from a storm, fire, or theft, a…
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Suffering property damage from a storm, fire, or other disaster can be overwhelming. In the rush to recover and move forward, many homeowners unintentionally make mistakes that can delay or derail their insurance…
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When an insurance company denies or underpays a valid property damage claim, policyholders may find themselves with no choice but to take legal action. Filing a lawsuit against an insurer isn’t just about alleging…
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Homeowners insurance, also known as first-party property insurance, is one of the most fundamental forms of insurance coverage available (and in some instances, required). It protects policyholders from direct losses…
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How Can I Get My House Prepared for Hurricane Season—In Case I Have to File an Insurance Claim?
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Homeowners insurance is one of those recurring expenses that can feel like it only ever goes up. Between inflation, increased rebuilding costs, and natural disaster risks, many homeowners feel stuck watching their…
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When your insurance company wrongfully delays, underpays, or denies a valid property damage claim, a first-party property lawsuit may be your best path to recovery. While filing a lawsuit can sound intimidating,…
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When navigating a property insurance claim, understanding the terms ACV (Actual Cash Value) and RCV (Replacement Cost Value) can make a significant difference in how much compensation you receive. These terms…
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Filing a property insurance claim can feel overwhelming—especially in the aftermath of a storm, fire, or other loss. One of the most common questions we hear from policyholders is: “How long will this take?” While…
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When a property insurance claim turns into a dispute, many policyholders find themselves facing a frustrating choice: accept a lowball offer or engage in a lengthy, expensive legal battle. Thankfully, many insurance…
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Most homeowners buy insurance with the expectation that when something goes wrong—whether it’s a busted pipe, a roof damaged in a storm, or fire damage—their insurer will be there to help. After all, that’s the very…
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Property insurance is meant to provide policyholders with financial protection when disaster strikes. However, not all insurance companies handle claims fairly. When an insurer unreasonably delays, undervalues, or…
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Filing a first-party property insurance claim can be a complex and frustrating experience for homeowners, especially after experiencing significant damage to their property. While many claims are resolved smoothly,…
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When a policyholder files a property insurance claim—whether for hurricane damage, fire damage, or damage from a busted pipe—the expectation is simple: a fair settlement in a timely manner. Unfortunately, claims…
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The property insurance claims landscape is a complex ecosystem involving various key players, each with a distinct role. Understanding who these stakeholders are, their function, and how they interact can help…
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The property insurance landscape has evolved significantly since 2000, driven by economic shifts, climate change, technological advancements, and legislative reforms. Homeowners, businesses, and insurers have all had…
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Property insurance is designed to protect policyholders from unexpected losses due to covered perils such as storms, fires, and vandalism. However, most homeowners policies do not cover damages that existed before…
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First-party property insurance claims often involve complex assessments to opine regarding the cause, extent, and validity of damage. Engineers and other specialists, such as buildings consultants and estimators,…
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Property insurance provides financial protection against various risks, but not all types of damage or losses are covered. Policyholders often assume they are fully protected, only to find out that certain events or…
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Experiencing property damage after a storm or other unexpected event can be overwhelming. However, understanding the proper steps to file an insurance claim can help ensure you receive fair compensation and speed up…
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In recent years, Louisiana has enacted several legislative changes to reform its property insurance market and address challenges faced by both insurers and policyholders. These new laws are particularly significant…
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When you file an insurance claim, you expect to be treated fairly and receive compensation that aligns with your policy and the extent of your damages. Unfortunately, insurance companies are profit-driven entities…
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When severe weather strikes, homeowners often face property damage that needs urgent attention. However, one of the most confusing aspects of filing an insurance claim is distinguishing between flood damage and…
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Homeowners insurance often feels like a safety net for the unexpected, but its scope is broader (and sometimes narrower) than you might think. Sure, you know it usually covers fires and certain natural disasters, but…
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When purchasing a homeowners insurance policy, one of the most important decisions involves choosing between Actual Cash Value (ACV) and Replacement Cost Value (RCV) coverage. Both determine how much your…
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Force-placed insurance, also known as lender-placed insurance, is a type of policy imposed by a lender when a borrower’s or homeowner’s own insurance coverage lapses or is deemed insufficient. It is designed to…
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Insurance is one of those things we hear about all the time but don’t often stop to fully understand—until we need it. At its core, insurance is a financial safety net that protects you from unexpected costs related…
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Toxic exposure occurs when a person is exposed to harmful chemicals or substances or when harmful chemicals or substances are introduced into the human body, which can often result in serious health issues. These…
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When it comes to protecting your home and belongings, a standard homeowners insurance policy may not cover everything you need. That’s where policy endorsements come in. These add-ons allow you to customize your…
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Averill & Reaney is proud to announce the opening of our new office in Florida! After serving clients across Louisiana, we’re excited to extend our services to the Sunshine State. This new chapter is made possible by…
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When you purchase insurance, it’s easy to assume that you're covered for just about everything. After all, your policy exists to protect you from unexpected events and costly damages. However, it’s important to…
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A contents claim is a type of insurance claim made to compensate you for the loss of any of your personal property that was damaged, destroyed, or stolen during an event covered by your insurance policy such as a…
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Slip and fall accidents can happen anywhere—at a store, on a sidewalk, or even at work. In many cases, the resulting injuries can be severe, leading to long-term medical issues, financial burdens, and emotional…
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Reading your property insurance policy can feel like reading a foreign language. With all the complex terms and conditions, it can be challenging to understand exactly what’s covered and what’s not. To help you…
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In today's digital age, social media has become an integral part of our daily lives, allowing us to connect with others, share experiences, and express ourselves. However, when it comes to personal injury cases, the…
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Estate planning is a vital aspect of securing your family's future, but for blended families, understanding the nuances of legal inheritance can pose unique challenges. In this blog, we'll explore the intricacies of…
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When Mother Nature unleashes her fury in the form of wind and hail storms, the aftermath can leave homeowners with significant property damage. Coverage for wind and hail damage often has unique conditions and…
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Personal injury accidents can have devastating consequences, not only physically but also emotionally. At Averill & Reaney, we know the profound emotional toll that these accidents can take on individuals and their…
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Dealing with insurance companies after property damage can be daunting. They have different tactics to scare and stall policyholders, and typically they’re not on your side. Insurance adjusters often try to…
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Product liability claims can arise when defective or dangerous products cause harm to consumers. These claims are often complicated and require expert legal guidance. At Averill & Reaney, we understand the ins and…
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The first and most important step in filing property damage insurance claims is understanding your rights and options. At Averill & Reaney, we have accumulated years of experience with handling property damage claims…
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June 5, 2024 – Chalmette, LA – Averill & Reaney, known for their commitment to community engagement, were honored to sponsor the Annual Reaney Crawfish Cook-Off. This year's event celebrated the memory of A.J. and…
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As peak hurricane season approaches, it's essential to equip yourself with knowledge about the common types of property damage caused by hurricanes and how to address them. We're here to provide you with a checklist…
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In the realm of legal disputes, the image of a courtroom battle with intense interrogations and dramatic verdicts often dominates our imagination. However, in the majority of civil cases, mediation or alternative…
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At Averill & Reaney Attorneys at Law, we understand the aftermath of a personal injury can be overwhelming. From physical pain to financial strain, pursuing a personal injury case requires knowledge, strategy, and,…
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As the Atlantic hurricane season begins, forecasts predict heightened activity ahead. According to projections from Colorado State University, we can anticipate a particularly active season due to warmer temperatures…
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Mandeville, Louisiana - April 19, 2024 - In the wake of a tornado that struck Slidell on Wednesday, April 10th, Averill & Reaney Attorneys at Law has pledged a total of $3,000 to provide disaster recovery for local…
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Writing a will ensures that your wishes are respected when you’re no longer able to articulate them yourself. By outlining your intentions for the distribution of your assets, a will helps prevent confusion and…
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If you've been in an accident, it can feel like the world is spinning out of control. Amidst the chaos and uncertainty, it may be difficult to know where to turn and what steps to take next. At Averill & Reaney, we…
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In the aftermath of a car accident, hurricane, hail storm, or tornado, individuals often find themselves facing not only physical and emotional challenges but also the daunting task of dealing with insurance…
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March marks Vehicle Safety Recalls Week, a critical time to ensure that your vehicle is free from safety defects that could lead to accidents or injuries. At Averill & Reaney, we understand the importance of vehicle…
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