A storm hits New Orleans, damaging your roof and flooding parts of your home. You trust that your homeowners insurance will cover repairs — but then a denial letter arrives, leaving you overwhelmed and frustrated.

You are not alone. Many homeowners run into this situation every year. If your claim has been denied, Irpino Avin & Hawkins is ready to help you challenge the decision and fight for the protection you paid for.

Understanding Why Insurance Claims Get Denied

Insurance companies deny claims for many reasons, including:

• Missed deadlines when reporting damage
• Insufficient documentation, such as missing photos or estimates
• Disputes over whether the damage is covered under your policy
• Exclusions or fine print hidden in complex policy language

Our team knows how to spot unfair denials and build a case to push back against them.

Evaluating Your Options After a Denial

A denied claim does not have to be the final answer. After reviewing your policy, the denial letter, and the damage itself, our team can help you decide whether to:

• File a detailed appeal
• Negotiate directly with the insurance company for a fair settlement
• Take legal action if necessary to recover what you are owed

Tips to Strengthen Your Homeowners Insurance Claim

Whether appealing a denial or filing a new claim in the future, these steps help protect your rights:

• Document everything: Take clear photos and videos of all damage immediately after it happens.
• Keep repair estimates: Save detailed estimates from licensed contractors.
• Communicate in writing: Keep copies of emails and letters to and from the insurance company.
• Know your policy: Understand what is covered — and what is not — before filing.
• Call an attorney early: A lawyer can step in before a claim drags on or gets wrongfully denied.

Being proactive often makes it harder for insurers to use technicalities to avoid paying valid claims.

How an Appeal Works

If an insurer wrongfully denies a claim, a well-prepared appeal can turn things around. Our lawyers will gather evidence, draft a strong appeal, and handle all back-and-forth with the insurance adjuster so you do not have to.

When Legal Action Becomes Necessary

If an insurance company refuses to cooperate, Irpino Avin & Hawkins will not hesitate to take the fight to court. Our New Orleans insurance lawyers have a proven record of holding insurers accountable and winning fair compensation for homeowners.

Recognizing Bad Faith Insurance Tactics

Sometimes, an insurance company does more than just deny a claim — it may handle your claim in “bad faith.” This means the company delays payment, ignores clear evidence, or misrepresents your policy terms to avoid paying what you are owed. Examples of bad faith include:

• Unreasonable delays in responding to your claim
• Lowball settlement offers that do not cover your actual damage
• Misleading explanations about your coverage
• Demanding excessive or unnecessary paperwork
• Denying valid claims without proper investigation

In Louisiana, homeowners have legal rights when an insurer acts in bad faith. If this happens, you may be entitled to extra damages and attorney fees on top of your original claim. Irpino Avin & Hawkins knows how to spot these tactics and take swift action to hold insurance companies accountable.

Do Not Let an Insurance Company Decide Your Future

A denied claim should not force you to pay for damage out of your own pocket. If your homeowners insurance claim has been denied in New Orleans, you deserve answers and strong legal help.

Contact Irpino Avin & Hawkins today for a free, no-obligation consultation. Let our team stand up to the insurance company, protect your rights, and fight to recover every dollar you are entitled to.