Success Story
Louisiana Hurricane: $125K to $485K
Wind vs water dispute resolved with expert engineering analysis
New Orleans, Louisiana
Hurricane Damage
Trusted by Policyholders Nationwide
The Results
How expert advocacy transformed this claim
Initial Offer
$125,000
Undervalued by insurance
Final Settlement
$485,000
+288% increase
Additional Recovery
+$360K
Resolved in
5 Months
New Orleans, Louisiana
Hurricane Damage
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Recovery Amount
$485,000
Improvement
+288%
The Story
Hurricane caused massive damage but insurer blamed flood exclusion. Engineering analysis proved wind damage, securing $485K settlement.
The Challenge
Insurance tried to attribute all damage to flood to minimize payout.
Claimed all damage was from flood despite wind evidence
Refused engineering analysis of damage causation
Undervalued custom millwork and historic features
Applied flood exclusion incorrectly
Denied coverage for code compliance upgrades
Denied additional living expenses
Our Strategy
Forensic engineering to prove wind damage occurred first and caused majority of loss.
1
Engineering Analysis
Hired forensic engineer to analyze damage sequence and causation.
2
Wind Damage Documentation
Documented roof damage, broken windows, and wind entry points.
3
Damage Timeline
Established that wind damaged roof before water entered.
4
Policy Review
Analyzed policy showing wind-driven rain coverage.
5
Expert Testimony
Engineer report compelled insurer to accept wind causation.
The Outcome
Achieved settlement allowing complete historic restoration with all original features replicated.
Additional Recovery
+$360K
Beyond initial offer
Wind Damage
$385K
Properly attributed to wind
Living Expenses
$70K
Temporary housing covered
"The insurance company tried to blame everything on flooding to avoid paying. Policy Advocates brought in an engineer who proved the wind destroyed our roof first. We went from $125,000 to $485,000. Justice was served."
Marcus & Denise Washington
New Orleans Homeowners
Key Takeaways
Wind vs water causation requires expert engineering analysis
Wind-driven rain through damaged openings is covered under wind
Damage sequence matters - wind damage first changes coverage
Don't accept insurer's causation determination without investigation
Engineering reports can reverse incorrect coverage denials
Get Similar Results for Your Claim
Every claim is unique, but our proven process delivers consistent results. Get your free claim assessment today.
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