The Louisiana Department of Insurance is working overtime as two years of strong hurricanes take a toll on insurance companies making ends meet and insurance adjusters meeting claims regulations. Last week, the Louisiana Department of Insurance filed suit to take over two regional insurance companies. This followed an October 27th Bulletin reminding everyone of rules applicable following hurricane losses.
Continue Reading Hurricane Claims In Louisiana Cause Bulletins and Financial Failures

A recent post, Louisiana Policyholders Deserve Good Faith Claims Treatment—Understanding Louisiana Hurricane Claim Bad Faith Law, discussed fundamental Louisiana law requiring insurance companies to treat policyholders in good faith and properly interpret their insurance policies. What happens if insurance companies delay claims following the recent hurricanes in Louisiana?
Continue Reading Understanding Louisiana Bad Faith Law When Claims Payments Are Delayed or Paid Too Late

Louisiana insurance law is very different from other states. Louisiana insurance bad faith law is different, makes meaningful definitions about what good faith conduct is expected, and makes insurers accountable for good faith claims treatment when hurricanes damage Louisiana policyholders. Policyholders who have been underpaid or delayed payment should get legal advice about their valuable legal rights. You could lose out on monies owed if you fail to speak with legal counsel and have been subjected to low-ball and slow-paying property insurance companies.
Continue Reading Louisiana Policyholders Deserve Good Faith Claims Treatment—Understanding Louisiana Hurricane Claim Bad Faith Law

Whether damaged property can be “matched” during a repair is a major property insurance adjustment issue. There is one Louisiana appellate case discussing the matching issue,1 and it found for the policyholder. A prior post, Provide the Right Proof so Your Insurer Will Pay Costs to Repair or Replace to Match Texture, Color, and Likeness, should be studied because the result may depend upon the policyholder’s presentation of loss.
Continue Reading Do Insurers In Louisiana Have To Match Damaged Property?

Anybody who joined me for our Hurricane Ida webinar yesterday could tell that Steve Mullins is an aggressive and experienced property insurance advocate. Steve was born in New Orleans and is the eldest son of Louisiana parents. Steve grew up in Baton Rouge, Louisiana, and along the Mississippi Gulf Coast in Ocean Springs. He is a proud graduate of Ocean Springs High School, where he was active in football, student government, and all sorts of fun that is available when you live along the Mississippi Gulf Coast. I know about those fun things because I lived in Waveland, Mississippi, for three of my best formative years.
Continue Reading Steve Mullins With Louisiana, Mississippi, and Alabama Ties Joins Merlin Law Group

Lucas H. Morehouse has joined Merlin Law Group’s New Orleans office. Morehouse is a native of Louisiana and originally from New Orleans. He received his undergraduate degree from Louisiana State University, where he double-majored in History and Political Science. Then, he stayed in Baton Rouge and received his Law Degree from the Paul M. Hebert Law Center at Louisiana State University. Lucas is a proud Louisiana Tigers fan.
Continue Reading Louisiana Attorney Lucas Morehouse Joins Merlin Law Group

Louisiana policyholders have suffered through their share of destructive storms, hurricanes, and floods over the past five years. Many of these policyholders need the services of quality restoration contractors and great public insurance adjusters. Recently, Hurricane Ida has led to a number of public adjusters asking for advice about doing work in Louisiana. I tell public adjusters “do not do business as usual and do not have a contingent agreement.
Continue Reading Louisiana Public Adjusters Should Not Have Any Form of a Contingent Agreement

I was speaking with an attorney from Jefferson Parish in Louisiana about Hurricane Laura claims. He told me that the word that best fit insurance company payments for that storm is “putrid.” If that is the case, insurance companies that wrongfully delay payment of claims in Louisiana for greater than thirty days can be subject to an automatic penalty.
Continue Reading Insurance Companies Have 30 Days to Pay or Be Subject to Penalties in Louisiana