New Orleans
You pay your premiums for years expecting your insurer to be there when it matters.
When a claim gets denied, delayed, or lowballed instead, The Voorhies Law Firm steps in to make sure Louisiana’s insurance laws, which are genuinely strong for policyholders, actually get enforced.
An insurance dispute arises any time an insurer doesn’t honor its obligations under your policy.
This can include:
Louisiana significantly overhauled its insurance claims-handling law in 2024, and a lot of content elsewhere online still describes the old framework.
Louisiana requires insurers to initiate loss adjustment promptly after notice of a claim (14 days generally, up to 30 for a catastrophic loss) and to pay undisputed amounts within 30 days of satisfactory proof of loss.
If an insurer’s failure to pay is found arbitrary, capricious, or without probable cause, courts can award a penalty, generally 50% of the amount owed or $5,000, whichever is greater, plus attorney fees.
For a total loss under a policy where the insurer sets the property’s value for premium purposes, Louisiana generally requires payment of that full stated value, regardless of the actual cost to rebuild.
Courts have applied this to wind and hurricane losses as well as fire, as long as a covered peril, not an excluded one like flood, is the proximate cause of the total loss.
Insurance dispute deadlines vary by policy type and claim category, and are generally shorter than an ordinary injury claim’s timeline, so it’s worth having your specific policy and denial letter reviewed promptly rather than assuming you have two years to act.
STEP 1
Free policy review.
Send us your policy and denial letter. We’ll give you an honest, no-cost read on whether the denial holds up.
STEP 2
Investigation.
We dig into the insurer’s claims file, adjuster notes, and any inspection reports.
STEP 3
Independent damage assessment.
We work with experts to establish what your claim is actually worth.
STEP 4
Demand.
We present a detailed demand to the insurer backed by evidence, not just an appeal to fairness.
STEP 5
Negotiation.
We push back on lowball offers and unsupported denials.
STEP 6
Filing suit, if needed.
If the insurer won’t budge, we file suit, including any applicable penalty claim.
STEP 7
Resolution.
You receive full payment of what’s owed, plus any penalties and fees the law allows.
We handle insurance disputes involving:
Behind every insurance dispute is someone who paid their premiums in good faith and got stonewalled the moment they actually needed help.
We push back on that, using the same claims-handling rules the insurer was supposed to follow.
Across all our practice areas, our recoveries for clients now exceed $100 million.
Results may vary, and every insurance dispute depends on the specific policy language and conduct involved.
Insurance companies count on policyholders not knowing exactly what the claims-handling statutes require, or how recently those rules changed.
Richard P. Voorhies III and the team at The Voorhies Law Firm stay current on Louisiana’s insurance code so insurers can’t rely on that gap.
We’re recognized by Super Lawyers and other legal organizations, but what matters here is direct access to your attorney, not a call center.
We handle insurance dispute cases on contingency, so paying upfront is the last thing you have to worry about.
No. Insurance denials are frequently wrong, incomplete, or based on an unfair investigation. An attorney can review your policy and denial letter to determine whether the denial actually holds up.
A regular dispute is about whether coverage applies and how much you’re owed. A bad faith claim goes further, arguing the insurer acted unreasonably, through unjustified delay, denial, or lowballing, which can entitle you to penalties on top of the amount owed. See our Bad Faith Insurance page for more.
It depends on your policy type and the nature of the dispute, and can be shorter than you’d expect. It’s worth having your specific situation reviewed promptly rather than assuming you have significant time.
It’s worth a second opinion before accepting. Initial offers are frequently lower than what a claim is actually worth, and accepting typically closes out your ability to pursue more later.
Nothing upfront. We handle these cases on contingency, so you owe nothing unless we recover for you.
