The Truth About Denied Coverage
The purpose of insurance, of course, is to provide protection from damage caused by a possible risk. In exchange for the payment of a premium, the insurance company agrees to provide certain protections that are explained and defined in the policy that is purchased. Sometimes the government requires us to purchase certain insurance—like state required minimal automobile liability coverage. Other times, individuals chose to purchase [...]
What You Didn’t Know About FEMA
In August 2016 a heavy three-day rainfall resulted in historic flooding in parts of south Louisiana. The events surrounding the flood have been called “unprecedented,” “a 500-year event,” and “catastrophic” just to name a few. This historic flood led to much damage and despair, washing away generations of memories and leaving behind an aftermath of irreparable debris. Although the flood occurred almost three years ago, [...]
An Act of God…Now What?
Does your insurance policy have an “Act of God,” or “Act of Nature” provision? An “Act of God” or “Act of Nature” provision generally refers to those “events outside of human control, like flash floods, earthquakes or other natural disasters.” While these provisions are admissible in several forms of contracts, they are not generally allowed in others. In some contracts an “Act of God” or [...]
A Must Have For Your Home During A Fire
Sometimes tragic events happen and no one is to blame. The fire that engulfed Notre-Dame de Paris causing colossal damage to one of the most iconic and beloved monuments that dots our globe is a recent example. Another, closer to home for those in Louisiana, occurred on April 13, 2019 when a mother and young child were caught in an overnight fire at their home. [...]
What Is HUD Hiding From Louisiana Homeowners?
In recent years we have seen varying news broadcasts regarding “historic floods.” The narrative is always the same; the location is always different. From South Carolina to Nebraska we have all watched as historic flooding has become somewhat of a new normal. We have all listened to the victims of these historic floods speak about their catastrophic losses and their hope of rebuilding for the [...]
4 Recalled Medications: Are You Taking These?
Hypertension medication recalls are on the rise. According to a recent WAFB article, five hypertension medications have been recalled in the last two weeks. WAFB reports that “American Health Packaging is voluntarily recalling one lot of blood pressure medication to the consumer level due to the detection of trace amounts of an unexpected impurity… the impurity found is N-Nitrosodiethylamine, or NDEA; a substance that occurs [...]