hurricane ida and other natural disasters or hazards

Special Considerations for Louisiana Residents

what kind of policy do you need?

Types of Homeowners Coverage


Basic Form

This insurance covers your house, as well as property like belongings, furniture, or floor coverings from damage caused by fire, lightning, hail, vandalism or malicious mischief, theft, damage from vehicles and aircraft, explosion, riot or civil commotion, and glass breakage. While basic form policies typically also cover wind damage, many companies will exclude wind damage incurred during a hurricane for residents living near coastal areas.


Broad Form

These policies cover everything included in basic form insurance, but adds protection for damage related to building collapse, broken pipes, falling objects, weight of snow or ice, or ruptured hot water heating systems. Heating and air conditioning systems and home appliances can also be insured under broad form policies.


Special Form

This is labeled as protection against “all risks” because, unlike basic and broad form policies, the policy only lists the few perils that are not covered. That means unless there was damage to your home or property from a peril that your policy specifically excluded, then your losses will be covered. However, special form policies generally exclude major hazards like floods and earthquakes, so homeowners need to be aware of those limitations.

where and how to get started

What Steps Do I Need to Take After a Loss?

the help you need to get back home safely

What Do I Do If My Claim is Denied?

If your homeowners insurance company has denied your claim and you have contacted your agent and other representatives for help, then it's time to reach out for specialized legal advice. We have tremendous experience and success in representing our clients against insurance companies who are only looking out for their corporate interests rather than delivering the protection that you paid them to provide. Save your energy for other aspects of your recovery and let us fight the insurance company on your behalf to secure the funds you need to rebuild your home and your life.

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protect yourself and your property

Hammond Homeowners Insurance Resources

Understanding Homeowners Insurance: What You Need to Know

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Make Hurricane Preparedness Your New Year’s Resolution!

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Bad Faith Damages for Your Hurricane Insurance Claim

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