When Your Own Insurer Won't Pay, We Make Them.
You paid premiums for years. Then the roof came off, and the adjuster offered a fraction of the repair bill. Louisiana's bad-faith laws exist for exactly this — and they have teeth.
Louisiana law requires your insurer to pay undisputed claim amounts within 30 days of proof of loss — and insurers who delay, deny, or lowball in bad faith owe statutory penalties of up to 50% of the amount due, plus attorney fees, under La. R.S. 22:1892 and 22:1973. If your hurricane, wind, roof, or water claim was underpaid, the insurer may owe you far more than the original check.
Protect your claim
What to do about a stalled or denied claim
Put everything in writing
Every adjuster call gets a follow-up email. Bad-faith cases are built on the paper trail.
Get your own estimate
Independent contractors routinely find 2–3× the insurer's scope. Never rely on their adjuster's number.
Don't accept 'final' offers
A check marked final isn't — and cashing one without advice can compromise your claim.
Bring us the file
We audit the denial against the policy and the statutes. If the insurer played games, the penalties become your leverage.
Claims insurers underpay most
- Hurricane wind and roof damage
- Water intrusion and mold disputes
- 'Wear and tear' denials on storm damage
- Delayed payments past statutory deadlines
- Lowball scopes that ignore code upgrades
- Contents and additional-living-expense shortfalls
What you can recover
- Full policy benefits owed
- Statutory bad-faith penalties (up to 50%)
- Attorney fees paid by the insurer
- Consequential damages from the delay
- Interest on late payments
Why Branch Law
When insurers see our name, the numbers change
- Insurance companies know the Branch name — and settle accordingly. $200M+ recovered across 1,000+ Louisiana cases.
- You deal with an attorney, not a call center. Brian's cell is on your paperwork.
- Local to Poydras Street — we know Orleans and Jefferson Parish courts, judges, and juries.
- Zero out of pocket. We advance every cost and collect only when you win.
Local counsel, not a call center
Serving Greater New Orleans & all of Louisiana
From Ida's roofs in Metairie to river-parish flood disputes, Louisiana homeowners have been through the insurer playbook more than anyone in America. We've read every page of it.
Answers, up front
Frequently asked questions
My insurer offered less than half of my contractor's estimate. Is that bad faith?
What are Louisiana's bad-faith penalties worth?
How long do I have to sue my insurer?
Do you handle this on contingency too?
Don't wait on the insurance company
Louisiana deadlines are strict and evidence disappears fast. The consultation is free, confidential, and carries zero obligation — and you'll know where you stand today.
Get My Free Case Review (504) 608-7777 No fee unless we win · Available 24/7 · Se habla español