For policyholders

The claims process

What to do after a hurricane or property loss in Louisiana — in the order it needs doing.

The clock your insurer is on

Louisiana law sets deadlines on how quickly a claim must be handled. Note the date you gave notice and the date your insurer received a complete proof of loss.

15 days Acknowledge
Your insurer must acknowledge the claim within 15 days of being notified.
30 days Decide
They must approve, partially approve, or deny within 30 days of receiving a complete proof of loss, unless extenuating circumstances apply.
1 year Settle
Settlement should generally occur within one year, unless extended by agreement.

Step by step

  1. Document the damage immediately

    • Photograph and video every affected area before any cleanup or repair.
    • Keep receipts for emergency repairs — tarps, boarding, pumps — and log the expenses.
    • If you have to leave your home, record your living arrangements and any other losses.

  2. Notify your insurer promptly

    • Report the loss as soon as you can — ideally within 24 to 48 hours.
    • Ask for a claim number, and write down your adjuster’s name, position, and contact details.

  3. Know your rights under Louisiana law

    Insurers must acknowledge a claim within 15 days of notice, and approve, partially approve, or deny it within 30 days of receiving a complete proof-of-loss (unless extenuating circumstances apply). Settlements should generally occur within one year unless extended by agreement.

  4. Consider hiring a licensed public adjuster

    A public adjuster represents you, not the insurance company. Louisiana requires them to be licensed — check credentials on the Department of Insurance website or through our verify licenses page before you sign anything.

  5. What working with an adjuster looks like

    Inspection and estimating
    Document damage to structure, roofing, personal property, and additional living expenses.
    Policy review
    Match damages against policy terms — deductibles, limits, exclusions.
    Claim submission
    Submit detailed estimates, photographs, and proof of loss.
    Negotiation
    Advocate on your behalf where the claim is underpaid or disputed.
    Final approval and payment
    The insurer issues settlement, and the adjuster takes an agreed percentage of it.

  6. Watch for unlicensed or unethical practice

    • Only licensed public adjusters or attorneys can legally represent you.
    • Be wary of contractors or companies offering to handle a claim without a license.
    • Refuse pressure tactics, and never sign a blank contract.

    More detail on hiring licensed professionals.

  7. Track the claim and keep records

    • Keep a log of emails, calls, and meetings.
    • Submit a supplemental claim if further damage comes to light later.

  8. Know your dispute resolution options

    • File a complaint with the Louisiana Department of Insurance if your insurer delays or denies unfairly.
    • Explore mediation, appraisal, or arbitration if your policy provides for them.
    • Seek legal advice where you need it to protect your rights.

Why this matters after a hurricane

A major storm overwhelms insurance systems, and delays follow. Document thoroughly and get proper representation, and your chances of a fair, prompt recovery improve. A licensed adjuster can make sure everything covered is claimed — from debris removal to flood endorsements.

Document thoroughly, know your rights, and consider professional representation.

Louisiana resources

All resources

About this information

This overview of the insurance claims process is for general educational purposes only. Every claim is unique, and specific steps may vary based on your policy, type of loss, and insurance company. For guidance on your specific claim, consult with a licensed public adjuster. For legal advice regarding your rights, consult with a qualified attorney.

Want someone on your side?

LAPA’s licensed public adjuster members represent policyholders, not insurers.

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