09/02/2020
I just wanted to give some general legal advice about dealing with insurance companies and other issues after a disaster like Laura.
1. Take pictures. If you didn't take pictures before the storm, try to find pictures you previously took that may show items or your home that is damaged. Documentation is very important for these claims, especially if your house isn't brand new.
2. Expect that your claims will be denied. Do not go into the process expecting anything to be approved. This is why documenting everything is so important. Your mindset in how you build your case now is important because if you assume you will have no problems, you won't be ready for a denial.
3. Document your losses. If you forgot to save a receipt, you need to make hand-written notes. You need to document who helped you before insurance did and what they did. You need to document as much as you can, now, because you will not be able to remember this in 12-18 months if you are in a lawsuit after a claim is denied. A little work and due diligence now will save you a lot of heartbreak in the future.
4.I know that flood damage wasn't the primary issue but some people in this group may have suffered flood damage. This is likely administered by a separate federal program from your normal homeowner's insurance. This program has VERY SPECIFIC rules on filing claims. I worked on many Rita flood claims as a young lawyer that were ultimately denied due to failure to follow the procedures exactly. You need to look up NFIP claim filing, especially Proof of Loss requirements.
5. If you hire a contractor, get their full information. If they're not a big operation, get a picture of their license and try to look up their credentials. If you are ripped off, you can pursue civil remedies and file police reports but if you don't know who they are, nothing can really be done.
6. Just like with contractors, if you have to hire an attorney, don't hire the first person who you see advertising. If you don't know an attorney, speak with family or friends who may have dealt with attorneys in the past. Just because an attorney is well known for divorce or criminal doesn't mean he/she will have experience dealing with insurance companies.
7. Be sure if you have the ability to donate, you make sure you are not donating to a scam. There are a bunch of great, local groups working to help out others. Like with contractors, try to keep it as local as possible.
8. Don't listen to all rumors going around. The reason I am making this post is because of the rumors of Lowes' price gouging people (that is untrue and involved someone using a price for a shop vac to allegedly show the price for gas cans). If this got so viral so quickly, I can only imagine of the other false rumors flying around the internet.