Louisiana
Louisiana property insurance attorneys
From our office in Covington we represent Louisiana homeowners and business owners against their own insurance companies — denied claims, stalled claims, and settlements that do not cover the repairs.
- $30M+
- in settlements secured
- 500+
- Gulf Coast families helped
- 113
- five-star reviews
What we handle in Louisiana
Hurricane and wind claims
Ida, Delta, Laura, Zeta, and every season since. Roof, structure, contents, and additional living expenses — including claims a carrier has already closed.
Denied and underpaid residential claims
Homeowners policies across the parishes, including claims placed with the state’s insurer of last resort and with carriers that have since left the market.
Commercial property claims
Business owners facing the same denials as homeowners, with business interruption and code upgrade exposure on top.
Bad-faith claims handling
Louisiana law imposes duties on insurers in how they handle your claim, with remedies when those duties are breached without a reasonable basis.
A hard market for Louisiana policyholders
Louisiana’s property insurance market has been through several difficult years — carrier insolvencies, withdrawals from the state, sharp premium increases, and a wave of policies moved to the insurer of last resort. Homeowners feel that pressure directly: fewer choices, higher deductibles, and claims handled by carriers under financial strain.
It shows up in claim decisions. A carrier managing loss ratios is a carrier looking hard at every roof. That is the environment Louisiana policyholders file claims into, and it is the reason a denial or a low estimate deserves an independent look rather than acceptance.
Louisiana law gives you specific tools
Louisiana imposes statutory duties on insurers regarding how quickly a claim must be acknowledged, investigated, and paid, and provides policyholders remedies when a carrier fails those duties without a reasonable basis. The state also has an appraisal process available under many policies, which can resolve a pure valuation dispute without litigation — and which is the wrong tool when the dispute is really about coverage.
Knowing which of those routes fits your claim is the practical value of counsel. Not every claim should be litigated, and not every claim should go to appraisal.
Where we practice
Our Louisiana office is at 216 N. Columbia St., Suite A, Covington, LA 70433, serving St. Tammany and the surrounding parishes as well as clients across the state. Matthew J. Averill and Brian Reaney represent policyholders only — we do not defend insurance companies.
Common questions
Do you handle claims outside St. Tammany Parish?
Yes. Our office is in Covington and we represent policyholders across Louisiana. Most of a property claim is handled by phone, email, and inspection at your property, so your location within the state is rarely an obstacle.
What is appraisal, and is it binding in Louisiana?
Appraisal is a policy provision that lets each side appoint an appraiser to resolve the amount of a loss, with an umpire breaking a deadlock. It resolves valuation disputes rather than coverage disputes, and whether it binds you depends on your policy language — which is worth reading closely before invoking it.
My insurer went insolvent. Is my claim gone?
No. Louisiana has a guaranty association mechanism for claims against insolvent insurers, with its own procedures and limits. Those claims are handled differently from an ordinary claim, and the differences matter enough to get advice early.
How much do you charge Louisiana clients?
Nothing up front. We work on contingency — our fee comes from the recovery, so we are paid when you are paid. The initial review of your claim is free.
These answers are general information about property insurance claims, not legal advice about your claim. Every policy and every loss is different — talk to us about yours.
Talk to our Louisiana office
The review is free and we work on contingency — we get paid when you get paid. Talk to us before you accept that offer!