The days and months after suffering an injury due to the fault of another can be difficult on not only your physical health but also your financial well being. This is especially true if you are unable to get back to work due to the harm. Thankfully, Louisiana allows for recovery from the wrongdoer. Although [...]
Understanding the Limitations to Louisiana’s No Pay, No Play Law When a victim is injured in an auto accident, there may be an assumption that they have a right to recovery for those injuries. What many drivers in Louisiana do not realize is that a victim’s right to compensation for their injuries in an auto [...]
Amid Hurricane Season and following the aftermath of Hurricane Barry, it is a good time to remember that flood insurance is an important part of Louisiana home ownership. In Barry alone, flood loss for residential and commercial properties in Louisiana is estimated to be between $200 million and $400 million, including both storm surge and [...]
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 [...]
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 [...]
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 [...]
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 [...]
DamagesRenovations to LSU’s Memorial Tower have halted after discovering asbestos in the tower. The university says the situation does not pose a threat to students or faculty. Although this situation poses no threat, asbestos exposure is a serious issue. “Abestos exposure is a danger to human health that can lead to serious diseases including asbestosis, [...]
The August 2016 “Great Flood” impacted more than 145,000 households in Louisiana, with over 41.5% of the population in nine parishes flooded. The estimated damage to homes exceeded $30.4 billion. In the Capital Region, 34.8% of businesses were affected and in one of the hardest hit areas, Livingston Parish, 91% of the businesses and 94% [...]
Your insurance company owes you a duty to settle your claims in good faith. Louisiana’s implied covenant of good faith and fair dealing is derived from the Restatement Second of Contracts and is expressly conveyed in LSA—R.S. 22:1973(A). LSA—R.S. 22:1973(A) provides that good faith and fair dealing are paramount to any insurer/insured relationship, and Insurers [...]