• Skip to main content
  • Skip to primary sidebar
  • Skip to footer

My Insurance Case

24/7 FREE CONSULTATIONS (866) 970-0977

  • About
  • Attorneys
  • Practice Areas
    • Property Damage Claims
    • Life Insurance
    • Disability and Health Claims
    • Louisiana Commercial Insurance Lawyers
    • Insurance Claim Denied
    • Personal Injury
    • Misrepresentations by an Insurance Adjuster or Agent
    • Bad Faith Insurance
  • Hurricane Ida
    • Hurricane Ida Relief Page
    • Tips For Filing Your Insurance Claim
    • Hurricane Ida Damage Lawyers
    • Hiring A Contractor Tips
    • Hurricane Laura Results
  • Locations
    • Louisiana
      • Insurance Bad Faith
      • Louisiana Wind Damage Insurance Claims
      • Fire Damage Claims
    • Florida
      • Long Term Disability
      • Fire Insurance Claims Lawyer
    • Texas
    • Mississippi
    • Connecticut
  • Case Results
  • Library
    • Property Damage
    • Life Insurance
  • Contact
  • About
  • Attorneys
  • Practice Areas
    • Property Damage Claims
    • Life Insurance
    • Disability and Health Claims
    • Louisiana Commercial Insurance Lawyers
    • Insurance Claim Denied
    • Personal Injury
    • Misrepresentations by an Insurance Adjuster or Agent
    • Bad Faith Insurance
  • Hurricane Ida
    • Hurricane Ida Relief Page
    • Tips For Filing Your Insurance Claim
    • Hurricane Ida Damage Lawyers
    • Hiring A Contractor Tips
    • Hurricane Laura Results
  • Locations
    • Louisiana
      • Insurance Bad Faith
      • Louisiana Wind Damage Insurance Claims
      • Fire Damage Claims
    • Florida
      • Long Term Disability
      • Fire Insurance Claims Lawyer
    • Texas
    • Mississippi
    • Connecticut
  • Case Results
  • Library
    • Property Damage
    • Life Insurance
  • Contact
Call
Contact
Blog

Our Blog

What to Do If Your Flood Damage Was Denied by Insurance in Lake Charles

08 Aug 2021 By Myinsurancecase Staff | Reading Time: 3 minutes

Most people mistakenly believe that their homeowners insurance policy includes flood damage caused by natural disasters, leaks, and pipe damage. However, most homeowners insurance policies do not cover flood damage. Most insurance companies require homeowners to take out a separate flood insurance policy in addition to their homeowners insurance policy. 

Careful review of your flood insurance policy and homeowners insurance policy lessens risk of surprise in an already difficult time in your life. However, if your flood damage was denied by your insurance, contact the lawyers at The MIC Firm to review your appeal options. 

How Do I Appeal a Flood Insurance Policy?

If your insurance policy denied your flood claim, you might consider appealing. If the National Flood Insurance Policy (NFIP) covers your policy, you may file an appeal directly through the Federal Emergency Management Agency (FEMA). On appeal, FEMA works with you and your insurance company, to gather facts regarding your claim, review the policy, and provide a claim decision. 

Filing an appeal with FEMA requires no fee. However, you must file your appeal within 60 days of the date of your insurer’s denial letter. 

If your flood damage was denied by insurance, FEMA encourages you to work out your dispute with your insurer first. 

If a private insurance company denied your flood insurance claim, you must appeal directly to your insurance company. 

What Doesn’t Flood Insurance Cover?

Even if you do not live in a flood-prone area, you may consider purchasing flood insurance for your home. Many homeowners insurance policies do not cover flood damage. The following are typically covered by flood insurance within the NFIP:

  • Essential systems in the home, including electrical, plumbing, furnaces, water heaters, air conditioners, heat pumps, and sump pumps;
  • Cisterns, fuel tanks, solar energy equipment, water tanks, and pumps;
  • Home appliances including refrigerators, ranges, dishwashers, washing machines and dryers, and freezers;
  • Carpeting and window coverings in the home;
  • Permanent bookshelves, cabinets, and paneling;
  • Foundation walls and staircases;
  • A detached garage;
  • Personal property like clothing; and
  • Certain personal valuables.

Despite this list, if you opt for coverage through a private insurance company, you should review a potential flood insurance policy carefully for coverage information. 

What Is Not Covered by Flood Insurance? 

According to the NFIP, the following instances of damages generally fall outside flood insurance coverage: 

  • Moisture or mildew that is avoidable by the homeowner;
  • Currency, precious metals, and paper valuables, like stock certificates;
  • Outdoor property such as decks, fences, patios, landscaping, wells and septic systems, hot tubs, and swimming pools;
  • Living expenses like temporary housing if you are displaced; and
  • Cars, boats, and similar vehicles. 

If you have flood insurance through a private insurer, contact them to determine exclusions under your policy. 

What to Do If You Were Affected by Hurricane Laura

Despite hurricanes occurring every year in Louisiana and Texas, the devastation they continue to cause never ceases. Hurricane Laura barrelled through Louisiana and Texas, causing widespread destruction to everything in its path. If you’ve suffered flood damage due to Hurricane Laura, contact the hurricane claim lawyers at The MIC Firm. We have decades of experience representing clients. We understand the devastation and heartache you feel. Your case is essential, and our attorneys are here to take action on your behalf.

Written by Myinsurancecase Staff · Categorized: Hurricane News Updates

Site Logo
We represent clients in a wide array of civil litigation matters including personal injury, maritime, insurance, and estate cases. Our attorneys collectively represented insurance companies for decades, handling maritime, trucking, property damage, and personal injury cases.

Primary Sidebar

Take The First Step
Towards Financial Recovery.

Contact myinsurancecase.com Staff Today.
Name(Required)

Areas of Practice

  • Property Damage Claims
  • Life Insurance Claims
  • Disability Insurance
  • Commercial Insurance
  • Insurance Bad Faith
  • Catastrophic Personal Injury

My Insurance Case Library

Resources and Relief For Victims of Hurricane Ida

31 Aug 2021

Settling Insurance Claims After a Hurricane

30 Jan 2022

Getting Results for Mississippi Policyholders: Half-Million Dollar Settlement

16 Jan 2022

Steps to Take if Your Home Insurance Adjuster Offer is Too Low

21 Dec 2021

View the Blog Library

Take The First Step
Towards Financial Recovery.

Contact myinsurancecase.com Staff Today.
Name(Required)

Footer

24/7 Free Consultations (866) 970-0977
  • Houston

    1001 Texas Avenue, Suite 580
    Houston, TX 77002

  • Louisiana

    900 Camp Street, Third Floor
    New Orleans, LA 70130

  • Florida

    401 E Las Olas Blvd., Suite 1400,
    Fort Lauderdale, FL 33301

Follow Us :

  • Facebook
  • Linkedin

© 2023 Johns Law Firm, PLLC
dba My Insurance Case All Rights Reserved