While thousands of homes in coastal areas of the Gulf Coast were flooded by the recent hurricanes, homes in inland cities were damaged by wind. Standard homeowner’s policies cover damage from wind or wind-driven rain but insurance adjusters are using a disclaimer about flooding to get out of paying claims on homes that were only damaged by wind. If your insurance company has denied your homeowner’s insurance claim our attorneys can help.
Most homeowner’s policies contain a sentence excluding “flood, surface water, waves, tidal water, overflow of a body of water or spray from any of these.” Insurance adjusters are denying homeowner’s claims in flooded areas like New Orleans and Biloxi but they have also denied thousands of claims in non-flooded areas like Baton Rouge. The denial of homeowner’s claims in non-flooded areas is fraudulent and a blatant act of bad faith.
People purchase insurance to provide assistance in times when we need help the most. It is unconscionable that insurance companies choose profits over helping their clients who have paid substantial money for coverage.