Metairie Louisiana Legal Blog

Issues with hurricane deductibles

Many if not most homeowners and commercial property owners who have purchased insurance to protect their property may have what is called a deductible. To summarize, a deductible is a certain amount of money, say $1,000, that the owner agrees to chip in should he or she need to file an insurance claim.

So, if a person with a $1,000 deductible files a property insurance claim ultimately worth $10,000, the insurance company will pay $9,000, the value of the claim less the deductible. Even though it may require them to chip in to pay a part of their own damages, owners often prefer deductibles because they result in lower premiums.

Leaning condominium leads to lawsuit

A condominium that is supposedly leaning by three inches has prompted the general contractor on the project to file suit against the property developer.

The lawsuit alleges that the high-rise condominium, which spans almost 60 stories, leans because of the fact that the project developer took shortcuts when laying foundation for the building. Specifically, the developer allegedly saved $6 million by not driving piles to reinforce the soil underneath the foundation.

Early outlook for the 2019 hurricane season is hopeful

After a couple of rough years, early predictions from experts who annually put out a hurricane forecast have indicated that the hurricane season of 2019, which starts June 1, will be relatively quiet.

Based on the preliminary information they have right now, researchers at a major university believe the most likely outcome for the 2019 hurricane season will be about 10 or so storms that reach tropical storm strength, meaning winds between 40 miles per hour and over 70 miles per hour. The researchers only expect a handful of hurricanes, with perhaps a couple reaching the status of major hurricane.

Helping contractors enjoy the New Orleans housing boom

Right now, the area in and around the Big Easy is experiencing a spike in new construction projects. In particular, new condominium develops are popping up all over the greater New Orleans area.

In a perfect world, a high demand for new construction can lead to economic prosperity for contractors and others in the business. However, with high demand also comes a tendency for subcontractors and others to rush their work so as to move on to the next job.

What damage does wind cause to a home?

Many homes in Louisiana are now built to withstand wind better. You can apply for tax deductions when you install these improvements. However, your home may not have these features, and even if it does, your home may still sustain damage in a hurricane.

Here are the ways wind can damage your home and how it can be repaired.

What happens if my company denies or delays a claim?

The whole reason commercial property owners in the Metairie area and the rest of the New Orleans region pay oftentimes hefty premiums to insurance companies is so that the company will be there when they need help.

In other words, in exchange for months or even years of premiums, a property owner can rightly expect that when their property gets damaged and they have to file commercial property damage insurance claims as a result, their insurance company will pay and do so promptly.

Understanding violations of HOA regulations

Purchasing and owning a home is an exciting and major life event. However, owning a home is much more than owning a residence. A house comes with many responsibilities and upkeep, and if a home is purchased in a development, such as a homeowners association, it means following certain rules and regulations. To some, this may seem very minimal and could possibly be an ideal environment for them. But if violations occur, this could create a complex matter for a homeowner.

In order to understand where a violation could occur, it should be understood what homeowner associations could regulate. There are in fact a wide variety of activities that that a homeowner association or HOA may regulate. This can include pets, singles, siding and exterior paint, fences, shrubs and hedges, landscaping, swing sets, basketball hoops and other structures for children, mailboxes, noise, tool shed and operating a home-based business.

Overcoming property damage insurance claims post hurricane

Weather can impact our lives. It can make driving more difficult, cause one to stay in for the night and could even result in an evacuation. Louisiana residents understand how hurricanes can seriously affect a person's life. These storms cause much anxiety as the approach; however, once they have passed, residents are left to pick up the pieces, hoping that they still have a home to go back to.

It can be devastating to see your home, your belongings and your community ruined by a hurricane. Much of this is irreplaceable, making it a trying time for individuals in Metairie. At Diliberto law Firm, our attorneys understand how challenging this time can be, which is why we are dedicated and focused on helping our clients navigate these matters and move forward.

The details of insurance policies and hurricane damage

As the seasons change, the weather does not experience major changes in Louisiana and other similarly situated states. However, with season change does come weather conditions. In other words, hurricane season can present some major weather conditions, causing concerns for not only individuals living there but also the property that is there.

While efforts are made to install certain windows that can withstand the strength of some hurricane wind and rain and material that can stand up to some storms, these efforts only go so far. Most homeowners in areas where hurricanes frequent take measures to help protect themselves when and if a hurricane comes through and damages their property. However, these insurance policies may not fully cover all incidents or hurricane damages.

Guiding you through a commercial property claim

Making an investment and purchasing commercial property can be the right choice for many. It can be an excellent course of income and can turn into a lucrative business. However, even the best operations are not shielded from the unexpected or tragedy. Thus, when commercial property is damaged, it is important to understand what options one might have to rectify this situation.

When commercial property owners in Louisiana and elsewhere are found in this predicament, they are likely to reach out to their insurance carrier. Typically, insurance companies will issue a check to help repair the damage. However, this amount is likely not nearly enough to completely repair all of the damages.

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To speak with me, attorney Robert Diliberto, call my office in Metairie, Louisiana, at 504-867-6947. You also can connect with me through my website.

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Diliberto Law Firm
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Metairie, Louisiana 70001

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