LOUISIANA
Roofing supplement and appraisal clause resources for Louisiana contractors and homeowners.
APPRAISAL CLAUSE IN LOUISIANA
Louisiana insurance policies include appraisal provisions for resolving disputes about loss amounts. Louisiana has seen significant insurance litigation following major hurricanes, and the appraisal process has become an important tool for policyholders seeking fair settlements.
Insured's fee — not due until after insurance payment is received
*Roof damage only. Additional fees for other damage types.
HOW ADJUSTERS UNDERPAY IN LOUISIANA
Insurance adjusters use Xactimate software to create estimates, but they often use tactics that result in underpayment. Here are common issues we see in Louisiana:
Post-hurricane labor rates far exceed Xactimate regional pricing
Flood vs. wind damage disputes are extremely common
Historic New Orleans properties require specialized repairs not in Xactimate
Temporary housing and additional living expenses are often underestimated
COMMON STORM TYPES
LOUISIANA TIPS
- Louisiana's coast is highly vulnerable to hurricanes - review coverage annually
- Document the high-water mark during flooding events
- Understand your policy's hurricane deductible vs. regular deductible
- Louisiana has specific requirements for coastal construction