Name: Luke Lewis Law LLC
Address: 9613 Interline Ave, Baton Rouge, LA, 70809, United States
Telephone: 225-612-1008

Personal Injury Attorney

225-612-1008

Your property is one of your most valuable assets, and when it suffers damage, the consequences can be devastating—both emotionally and financially. From roof leaks and mold issues to hurricane damage and fires, property damage can leave homeowners and business owners struggling to recover. Unfortunately, insurance companies often delay or deny claims, leaving policyholders without the compensation they need. At Luke Lewis Law Firm, we are dedicated to fighting for your rights and helping you recover the full value of your claim.

Common Types of Property Damage Claims

Property damage can happen in a variety of ways, and each type of claim presents unique challenges. Here are some of the most common types of property damage claims we handle:

Roof Damage and Leaks

A leaky roof can cause significant damage to your home or business, affecting walls, ceilings, and structural integrity. Insurance companies often try to deny these claims, blaming the damage on wear and tear or the age of the roof. Signs of roof leaks include water stains, missing shingles, and mold growth around exterior walls. Acting quickly to repair the damage and file your claim is essential.

Mold Damage

Mold infestations can develop in hidden areas, such as behind walls or under flooring, and pose serious health risks. Common causes include leaky pipes, roof leaks, flooding, and poor ventilation. Mold claims are notoriously difficult to navigate, as insurance companies often deny them, citing exclusions in the policy. We can help review your policy and determine what mold damage may be covered.

Hurricane and Storm Damage

Hurricanes and severe storms can cause extensive damage to your property, including roof destruction, water intrusion, broken windows, and fallen trees. While most policies offer coverage for storm damage, insurers may delay claims or offer lowball settlements that don’t cover the full extent of your losses. Our attorneys know how to handle these claims and will ensure you receive the compensation you’re entitled to.

Fire and Smoke Damage

A house fire is one of the most traumatic experiences a property owner can face. Fires can cause structural damage, destroy personal belongings, and leave lasting smoke and soot residue. Even if the flames don’t reach certain parts of the property, smoke and water used to extinguish the fire can cause significant hidden damage. We work with experts to assess the full extent of the damage and fight for a fair settlement.

Why Property Damage Claims Are Denied

Insurance companies often prioritize their profits over your recovery, using various tactics to delay, deny, or underpay claims. Common reasons for denial include:

Claiming the damage is due to wear and tear
Misinterpreting policy exclusions
Insufficient documentation of the damage
Accusing policyholders of not reporting the damage promptly

We can review your policy, gather evidence, and ensure your claim is handled fairly.

What Should You Do After Property Damage?

If your property has been damaged, following these steps can protect your claim:

Document the Damage – Take photos and videos of all affected areas, including personal belongings.
Prevent Further Damage – Make temporary repairs to prevent the situation from worsening, such as covering roof leaks or boarding up broken windows.
Contact an Attorney – Before speaking with your insurance company, consult with an attorney to avoid common pitfalls and protect your rights.
File Your Claim Promptly – Check your policy for claim deadlines and submit your claim as soon as possible.

Have you been injured in an accident?

STEP 1: Contact Luke Law Firm for a free consultation. We’ll assess your case, explain your options, and meet you anywhere in Louisiana.

STEP 2: We Build & Fight for Your Case – Our team gathers evidence, handles paperwork, and negotiates aggressively. If insurers don’t play fair, we’re ready for court.

STEP 3: You Get Paid – No Fees Unless We Win – You pay nothing upfront—our success is tied to yours.

Take the first step

FREQUENTLY ASKED QUESTIONS

What is considered property damage?

Property damage refers to physical harm to your home, business, or belongings caused by an event such as a storm, fire, water leak, mold, or vandalism. It can range from minor issues like roof damage to catastrophic losses involving structural damage and destroyed personal items.

Does homeowners’ insurance cover all types of property damage?

Most homeowners’ insurance policies cover specific types of damage, such as fire, wind, and water damage. However, some types of damage, like mold, flooding, or wear and tear, may be excluded or require additional coverage. It’s essential to review your policy carefully to understand what’s included.

Should I speak with my insurance company before contacting an attorney?

It’s often best to speak with an attorney first, especially for complex claims like mold, fire, or storm damage. Insurance companies may try to minimize their payout, so having legal representation ensures your rights are protected.

What should I do if my roof is leaking?

If you suspect a roof leak:

Document the damage with photos.
Make temporary repairs to prevent further damage (e.g., cover the leak with a tarp).
Contact an attorney to help navigate your insurance claim and avoid denial or underpayment.

Is mold damage covered by homeowners’ insurance?

Mold damage may be covered if it results from a sudden and accidental event, such as a burst pipe or roof leak. However, damage from long-term moisture or poor maintenance is typically excluded. An attorney can help you determine coverage and handle complex mold claims.

What should I do if my home is damaged by a hurricane or storm?

Document the damage and take photos immediately.
Protect your property from further harm by boarding windows or covering leaks.
File a claim promptly, as insurance policies often have strict deadlines.
Consult an attorney to ensure your insurance company offers a fair settlement.

How can I tell if I have fire and smoke damage?

In addition to visible damage, smoke and soot can penetrate walls, ceilings, and ductwork, causing hidden damage. You may notice a persistent smoky odor, discoloration, or stains on surfaces. It’s essential to have your property professionally inspected after a fire.