The storm has passed, but the damage is everywhere. Streets in New Orleans are lined with debris, shingles are scattered across lawns, and water still lingers in low-lying areas. As you start picking up the pieces, another challenge looms: figuring out what your insurance will actually cover.

In Louisiana, the difference between flood damage and wind damage isn’t just technical—it can decide whether your claim is approved, partially paid, or denied altogether. At Irpino Avin & Hawkins, our New Orleans property damage attorneys help homeowners navigate these distinctions so they can recover faster and more fully after a hurricane.

Flood Damage vs. Wind Damage and Why the Difference Matters

Flood and wind damage are treated differently under most policies, and mixing them up can delay or derail your claim.

Flood Damage

• Flood damage happens when rising water from storm surge, overflowing canals, or heavy rain enters your home at ground level.
• Separate Policy Needed – Most homeowners’ policies do not cover flood damage. It’s usually covered under a separate policy, often through the National Flood Insurance Program (NFIP) or a private insurer.
• What’s Covered – Structural repairs, electrical systems, appliances, and personal belongings (depending on your policy limits).
• What’s Not Covered – Items stored outside, currency, and certain valuables may be excluded.

Wind Damage

Wind damage results from hurricane-force winds tearing off roofs, breaking windows, or hurling debris.

• Standard Coverage – Usually included in homeowners’ policies, though some Louisiana policies require a special hurricane or named-storm endorsement.
• Wind-Driven Rain – If rain enters through a wind-damaged area (like a broken window), coverage often applies. But seepage without wind damage may be excluded.
• Special Deductibles – Many policies have higher deductibles for hurricane-related wind damage.

Filing a Claim in New Orleans After a Hurricane

Timing and detail matter when filing a claim in Louisiana. Waiting too long or failing to separate flood and wind damage in your documentation can cost you thousands. After the storm:

• Document Everything – Take clear photos and videos of damage inside and out. Note whether the damage was caused by rising water, high winds, or both.
• Notify Your Insurer Immediately – Louisiana law requires insurers to respond within set timelines once you file.
• Make Temporary Repairs – Prevent further damage, but save all receipts.
• Consult an Attorney – An experienced property damage lawyer can help distinguish between covered and uncovered damage and fight for full compensation.

Why Work with a New Orleans Property Damage Attorney?

Insurance companies may try to classify more damage as “flood-related” if you lack flood coverage, or downplay the wind damage that should be covered. At Irpino Avin & Hawkins, we know the tactics insurers use after hurricanes. We use local knowledge, policy analysis, and independent damage assessments to push back and protect your rights.

Get Help After a Hurricane From the Attorneys at Irpino Avin & Hawkins

If your home has been damaged in a hurricane, you deserve an attorney who understands New Orleans, Louisiana insurance law, and the realities of storm recovery. We’ll guide you through every step of your claim so you can focus on rebuilding.

Call today to schedule a consultation and learn how we can help secure the compensation you need to move forward.