Helping Louisiana Property Owners Recover After Damaging Winds

Powerful wind events strike Louisiana far more often than hurricanes. A single line of strong thunderstorms or a fast-moving front can rip shingles from roofs, break windows, topple trees, and scatter debris across homes and businesses. When that happens, property owners expect their insurance company to step in quickly. Too often, the opposite occurs.

At Laborde Earles Injury Lawyers, we help Louisiana families and business owners stand up to insurers who delay, underpay, or deny wind-related claims. With over one billion dollars recovered for clients statewide, we know how to challenge bad faith tactics and secure the coverage your policy promises.

Understanding Wind Damage and Your Coverage Rights

Not all wind damage is obvious at first glance. Insurers frequently argue that the loss was preexisting, caused by poor maintenance, or unrelated to the storm. Part of our job is to document the full scope of damage and push back against inaccurate assessments.

Common Types of Wind Damage

High winds can cause fast and widespread destruction, including:

  • Lifted or missing shingles
  • Cracked or blown-out windows
  • Structural shifting or wall separation
  • Detached gutters or downspouts
  • Damage to sheds, carports, or exterior structures
  • Fallen limbs that puncture roofs
  • HVAC or utility system impacts
  • Vehicle damage from debris

Even moderate winds can expose your home to water intrusion, mold, and long-term structural issues. Our team ensures these losses are carefully documented and presented in your claim.

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What To Do After Wind Damage

A strong wind event can leave you overwhelmed and unsure of what to do next. Taking the right steps early will protect your claim and reduce the chance of a dispute. Start With These Immediate Actions:

  • Take clear photos and videos of all visible damage
  • Cover exposed areas with tarps or boards to prevent further loss
  • Save broken materials or debris for inspection
  • Collect receipts from temporary repairs
  • Store damaged items in a safe place for your adjuster to review

Then, file your claim as soon as possible. Prompt reporting helps you avoid disputes related to mold, secondary damage, or delays in mitigation.

Is Wind Damage Covered by Homeowners Insurance

Wind is commonly listed as a covered peril in many standard Louisiana homeowners policies. However, coverage varies based on location, deductibles, and specific exclusions. Coastal policyholders may face limited windstorm protection or special deductibles that dramatically affect payout amounts.

You may be covered under:

  • A standard homeowners policy
  • A named peril or windstorm endorsement
  • An all-risk policy with wind exclusions removed
  • A commercial property policy if you are a business owner

If your coverage is unclear, our team reviews your entire policy, including deductibles, limits, and hidden exclusions that may affect your claim.

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Wind Damage Exclusions to Watch For

Even when the policy lists wind as a covered peril, insurers may attempt to limit payment by claiming:

  • Damage resulted from old age or wear
  • Roofing materials were previously compromised
  • Water damage was due to maintenance issues
  • Structural issues predated the storm
  • The loss was caused by a factor excluded by the policy

When these arguments appear, we bring in independent inspectors or estimators to counter inaccurate or incomplete insurer evaluations.

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Client Testimonials Hear from locals like you.

Working with Laborde Earles Injury Lawyers was an incredible experience from beginning to end. Jeanne and Kaitlyn were absolutely amazing - profession...

Working with Laborde Earles Injury Lawyers was an incredible experience from beginning to end. Jeanne and Kaitlyn were absolutely amazing - professional and always on top of everything. They kept me informed throughout the entire process and made sure I understood every step along the way. My case was resolved better than expected. I can’t thank them enough.

M
Melody Johnson

New Orleans

The team at Laborde Earls is extremely helpful and knowledgeable. While I would recommend any team member, I would strongly urge you to speak with Mrs...

The team at Laborde Earls is extremely helpful and knowledgeable. While I would recommend any team member, I would strongly urge you to speak with Mrs. Courtney. I spoke with her multiple times, and each time she was patient and answered every question I had. She made me feel like I was the only client. Grateful for her and Laborde Earls!

T
Tracie M.

Trudy Dupuy is a wonderful asset to the team. She does an amazing job.

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Annabelle D.

Toni is the absolute BEST!!!! Not only is she the best paralegal but she’s also the best person I know. She is so intelligent, knowledgeable, ca...

Toni is the absolute BEST!!!! Not only is she the best paralegal but she’s also the best person I know. She is so intelligent, knowledgeable, caring, and goes above and beyond for everyone in her life. She is a true gem! To know her is to love her!! Anybody would be lucky to have someone like Toni in their corner.

S
Sarah Jorden

Marksville

I’m so grateful for the help I received from Renee McCaslin. From start to finish, they were kind, professional, and truly cared about my situat...

I’m so grateful for the help I received from Renee McCaslin. From start to finish, they were kind, professional, and truly cared about my situation. They made everything easy to understand and handled every detail with care. I felt supported the whole way through. I highly recommend Renee McCaslin to anyone looking for a paralegal who goes above and beyond.

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Rosann Roberts

Lake Charles

I had an amazing experience working with my paralegal, Wesley Guillory, at Laborde Earles Law Firm. Wesley went above and beyond for me throughout the...

I had an amazing experience working with my paralegal, Wesley Guillory, at Laborde Earles Law Firm. Wesley went above and beyond for me throughout the entire process. He was always patient, knowledgeable, and quick to respond to any questions I had. What stood out most was how genuinely he cared. He made sure I understood every step and always made me feel supported and informed.

Wesley’s professionalism and compassion truly set him apart. He made a stressful situation so much easier, and I’m incredibly grateful for all of his hard work. I highly recommend Wesley and the entire Laborde Earles team. They really do put their clients first.

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Jaine Fisher

Lafayette

I am able to witness Karely Cornwell handle calls from people who are in need of Laborde Earles services. She is always polite and professional. I thi...

I am able to witness Karely Cornwell handle calls from people who are in need of Laborde Earles services. She is always polite and professional. I think it’s safe to assume that the majority of people who call in are stressed and to have someone who is calm and kind taking the call is a great representation of the company.

D
Debbie Fontenot

Marksville

Jordan is a wonderful paralegal very sweet and helpful good job very professional hold on to her she is a asset to your firm hard worker. Thank you fo...

Jordan is a wonderful paralegal very sweet and helpful good job very professional hold on to her she is a asset to your firm hard worker. Thank you for all your hard work to all the people working on our case.

S
Sandi W.

I was very pleased with the attention and detail that was given by Karely with Laborde Earle’s Injury lawyers. She answered all of my questions ...

I was very pleased with the attention and detail that was given by Karely with Laborde Earle’s Injury lawyers. She answered all of my questions and concerns, and her professionalism was top notch. Her phone etiquette, and calm and caring attitude was outstanding.

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Gail

Baton Rouge

Over 1,700 5-Star Reviews

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Challenges Louisiana Homeowners Face With Wind Claims

Wind damage claims often become complicated because the damage can be subtle. Insurers sometimes use this to their advantage.

Policyholders commonly experience:

  • Delays in scheduling inspections
  • Adjusters who overlook hidden damage
  • Low offers that do not match repair costs
  • Pressure to accept partial settlements
  • Conflicting repair estimates
  • Claims of prior damage to avoid paying
  • Disagreements about the cause of the loss

With legal support, you do not have to fight these battles alone.

Bad Faith Wind Damage Practices

Under Louisiana law, insurers must act fairly, promptly, and honestly when handling claims. When they do not, it may constitute bad faith. Examples include:

  • Misrepresenting your policy coverage
  • Failing to conduct a reasonable inspection
  • Refusing to pay despite clear evidence
  • Offering unreasonably low estimates
  • Ignoring communication or delaying responses

If an insurer acts in bad faith, you may recover additional damages, including penalties and attorney fees.

Why You Need a Louisiana Wind Damage Claim Lawyer

Wind damage claims often require detailed documentation, expert analysis, and strategic negotiation. Our team handles everything from initial policy review to final settlement.

We can help you:

  • Understand your full policy protections
  • Calculate the true cost of your losses
  • Work with inspectors and independent adjusters
  • Challenge inaccurate insurance estimates
  • Prevent adjusters from minimizing or denying claims
  • Negotiate for the compensation your policy provides
  • File suit if your insurer refuses to cooperate

Our attorneys are prepared to protect both your immediate recovery needs and the long-term condition of your home.

Trust Laborde Earles to Advocate for You

When strong winds damage your property, the insurance company should be your safety net, not another source of stress. Our legal team helps families across Louisiana restore their homes, protect their futures, and get the financial support they need to move forward. With over $1 billion recovered for clients, we bring the experience, strength, and commitment your case deserves.

Speak With a Louisiana Wind Damage Claim Lawyer Today

If your wind damage claim was denied, underpaid, or delayed, Laborde Earles is ready to help. You should not have to face the insurance process alone, especially when your home or business is at risk.

Contact Laborde Earles Injury Lawyers today for a free consultation. Let our team fight for the coverage you are owed.

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