Hurricane Isaac – Landfall

Hurricane Isaac made landfall today in Louisiana over Plaquemines parish and then it took a turn to the west whereby it went back over open water. As of 11:30 CST the storm is still over the water and the rain bands are pelting the city of New Orleans and surrounding areas. For those who own commercial and residential property in New Orleans, Metairie and other metropolitan areas of South Louisiana, you must ride out the storm and make it a priority to get your property secure. Next is to assess the damage. Make a proper claim with your property and flood insurance carrier. You will need to file a "sworn proof of loss" which requires an estimate of damages that is signed off on by you the insured. Do not simply rely on your insurance company and/or agent. Be proactive and get an estimate. If you can afford it make the repairs and keep proof of all costs expended for the repair. Insurance will only indemnify you which means pay you back for what you spent to repair. Be weary of out-of-state or unlicensed contractors who are not qualified to do repairs to your property. Get your own public adjuster to battle with the insurance adjuster. Get your own contractor to battle with the estimate of the insurance company. Make quality repairs and demand that your insurance fully indemnify you as is required by law and under the policy. As of Midnight CST the Weather Channel has New Orleans reporting 2.40 inches of rain between 7pm and 10pm. More to come as this situation progresses.
About the Author: Seth Smiley
Seth is an attorney licensed to practice in Louisiana and California. He is the owner and lead attorney at Smiley Law Firm. To speak with Seth fill out the form on this page. Follow Seth on LinkedIn, Google+, or Twitter.

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