File Your Louisiana Fire Claim the Right Way
Step-by-step guidance to help Louisiana homeowners document fire damage, notify their insurer, and maximize their restoration payout.
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FAQ
What are the first steps I should take after a house fire in Louisiana?
Immediately after the fire is extinguished and the property is declared safe by the fire marshal, contact your insurance company to open a claim. Document all visible damage with photos and video before touching anything. Secure the property with board-up or tarping services to prevent further damage—Louisiana insurers typically require you to mitigate losses promptly. Keep all receipts for temporary housing and emergency repairs, as these costs are often reimbursable under your Additional Living Expenses (ALE) coverage.
How long does a fire damage insurance claim take to settle in Louisiana?
Under Louisiana Revised Statute 22:1892, insurers must acknowledge your claim within 14 days and make a settlement offer or denial within 30 days of receiving satisfactory proof of loss. Complex structural claims can take 60 to 90 days or longer. If your insurer misses these deadlines without just cause, you may be entitled to penalty interest of up to 50 percent of the claim amount plus attorney fees, so track all correspondence dates carefully.