Flood Damage Claims Attorney in Metairie, LA

Struggling with a flood insurance claim after major damage? We help Louisiana homeowners fight denials, delays & low payouts.

Flooding can cause catastrophic damage-ruined floors, mold, destroyed personal belongings, and unsafe living conditions. But even with a policy in place, homeowners often face an uphill battle with their insurer. At The Law Office of Bruce C. Betzer, we represent clients in Metairie and surrounding parishes who are overwhelmed by the flood claims process or frustrated by an insurer that won't pay what's fair. Whether your loss was caused by a hurricane, storm surge, or heavy rain, we're here to help you recover.

Why Flood Claims Are So Challenging

01.

Denied or Underpaid Claims

Insurers may claim your damage isn't covered, isn't caused by flooding, or offer far less than what repairs truly cost.


Tip: Don't accept a denial or low offer without a second opinion.

If your flood claim hit a wall, we'll help push it forward.

02.

Disputes Over Cause of Damage

Many policies exclude water damage from sewer backups, wind-driven rain, or "rising ground water"-insurers may try to shift blame.

Tip: Get independent assessments to verify the actual cause of flooding.

We help document and argue your case with real-world evidence.

03.

Delays That Leave You in Limbo

Flood claims often drag out for months, leaving homeowners in unsafe or unlivable conditions. We hold insurers accountable for timely responses.

Tip: Louisiana law requires insurers to meet certain deadlines-don't let them drag their feet.

Let us take over communication so you can focus on repairs and recovery.

What's Typically Covered

Depending on your policy type (NFIP or private), flood insurance may cover:

  • Structural damage to foundation, walls, and floors
  • Electrical & plumbing systems
  • HVAC and water heaters
  • Appliances, carpeting, cabinets
  • Personal property (furniture, clothing, electronics)
  • Cleanup & debris removal

We review every clause in your policy to ensure you're getting the maximum payout.

Who Can Be Held Liable

While flood insurance generally covers your direct losses, bad faith by an insurer (such as wrongful denials or delays) may give rise to a separate legal claim. We evaluate your case for both coverage disputes and misconduct.

Navigating the NFIP & Private Insurers

Most Louisiana flood insurance is issued through the National Flood Insurance Program (NFIP), which follows federal rules. That means strict deadlines and limited coverage-but also specific obligations on insurers.


If you have a private flood insurance policy, different rules may apply, and broader coverage might be available. We handle both types and understand how to fight low offers or wrongfully denied claims.


Basic Elements of a Valid Claim

To win your case, we must prove:

  • You held a valid flood insurance policy when the damage occurred
  • The damage was directly caused by a covered flood event
  • You submitted a proper claim and estimate
  • The insurer failed to pay fairly or acted in bad faith

We assist with everything from damage documentation to appeals and litigation.


Damages in Flood Claims

Our goal is to help you recover compensation for:

  • Home repairs or rebuilding
  • Replacement of lost belongings
  • Mold removal and remediation
  • Loss of use or temporary housing costs
  • Emotional and financial stress
  • Bad faith penalties, when applicable

Even if you've already received a partial payment, you may still be entitled to more.

FAQ

  • Does my homeowners insurance cover flooding?

    Usually not. Flood damage typically requires separate flood insurance (NFIP or private). We'll review all your policies to be sure.

  • How long do I have to file a flood claim?

    NFIP claims generally must be filed within 60 days of the flood, including a signed proof of loss. Extensions are rare.

  • What if my insurer says the damage is from something else?

    This is a common tactic. We bring in inspectors and experts to prove your claim is flood-related and covered.

  • What if I already accepted a payment?

    You may still be able to reopen or supplement your claim if new damage is discovered or the payment was too low.

  • How much does it cost to work with you?

    We handle flood insurance disputes on a contingency basis-no fees unless we recover additional compensation for you.

Get Help Navigating the Flood Insurance Maze

You paid for flood coverage. Now it's time to make sure your insurer delivers. We help Metairie homeowners cut through red tape, fight unfair denials, and recover what's rightfully owed after devastating flood damage.

 Call now to schedule a free consultation with a Louisiana flood damage attorney.