Water Damage – Home/Property Owners
KATRINA ARCHIVE
Editor’s Note: some of the information in this library may be superseded or outdated. For more information visit the Katrina (Water Damage) Library homepage.
A. Basic Tips & Information re: coverage for hurricane damage under a homeowners insurance policy.
- Clock is Ticking on Storm Claims (pdf)
- General Claim Tips
- Insurance claim help for Louisiana citizens (pdf)
- Dwelling Claim Tips
- Contents Claim Tips
- Negotiating, MarketWatch, 2005 (pdf)
- Getting Mortgage Lenders To Sign Off, Louisiana State Government
- A Guide for Individuals To Insurance Coverage for Losses from Hurricane Katrina, Dickstein, Shapiro, Morin & Oshinsky, LLP, 2005. (pdf)
- Arguing for Coverage – Americans for Insurance Reform, September, 2005
- Insurance Tips for Survivors of Hurricane Katrina, Jeannine Chanes, Esq., 2005 (pdf)
- Tips for Policyholders from the Louisiana Department of Insurance (pdf)
- Mortgage tips from Consumer Reports
- Is Your Home Properly Covered for a Disaster, Insurance Information Institute (pdf)
- Plaintiffs Crowd Civil Courthouse, www.nola.com, Aug. 29, 2006
B. Insured Items
- Fine Print Exclusions, NPR Story, September 16, 2005
- Damage to Home
- Damage to Personal Property and Belongings
- Damage to “Other Structures” (Garages, Retaining Walls, Swimming Pools, etc.)
- Damage to Trees, Shrubs, Landscaping
- Additional/Temporary Living Expenses
- Debris Removal/Clean Up
C. Types of Perils and Events
- Wind
- Louisiana Hurricane Impact Atlas – 2005, Louisiana Geographic Information Center (pdf)
- Was it Wind or Water, The New York Times, September 21, 2005 (pdf)
- Different types of policies in the Gulf Region: Hurricane Season and Insurance Coverage, cms.nationalunderwriter.com
- Wind Versus Water: Why “Proximate Cause” Should Help Not Hurt (pdf)
- State Farm: We’re Paying Wind Damage Claims, www.claimsguides.com, April 7, 2006
- Miss. vs. State Farm re: Wind (pdf)
- Flood
- Flood Claim Rules, FEMA memo, May 7, 2004 (pdf)
- Special Katrina Flood Claim Rules, FEMA memo, September 21, 2005 (pdf)
- Waiver of the Proof of Loss Requirement in the Standard Flood Insurance Policy (SFIP) (pdf)
- What Should I Do If My Property Is Flooded? (pdf)
- Standard Flood Insurance Policy, National Flood Insurance Program, FEMA (pdf)
- Flood Policy Bulletins, National Flood Insurance Program
- Recent Case re: NFIP /Leasehold Improvements: Leasehold Improvements Insurable under Building Coverage, cms.nationalunderwriter.com
- Waiver of the Proof of uirement in the Standard Flood Insurance Policy (SFIP), FEMA memo, August 31, 2005 (Loss Reqpdf)
- Different types of policies in the Gulf Region: Hurricane Season and Insurance Coverage, cms.nationalunderwriter.com
- Rand Study Says Few Homeowners Buy Flood Insurance When It Is Not Required, www.rand.org, March 13, 2006
- Bad Faith/Flood Insurance (pdf)
- Looting and Theft
- Fire
D. Lost or Missing Policies
E. Life Insurance Policies
F. Valuing Your Claim and Dealing with Insurance Adjusters
- Negotiating, Market Watch, September 9, 2005 (pdf)
- Claim Adjuster Info, Wall Street Journal, September 13, 2005 (pdf)
- Why Katrina Won’t Flood Insurance Companies, www.slate.com, September 6, 2005
- Insurance Industry is Well Positioned to Keep Its Financial Commitments to Gulf Coast Residents, ATLA, September 27, 2005
- Claim Delays, Washington Post, September 29, 2005
- Insurance Litigation Predictions, Professor Adam Scales, writ.news.findlaw.com, September 19, 2005
- Twelve Tips to Secure Insurance Coverage for the Katrina Disaster, Anderson, Kill & Olick, P.C. (pdf)
- Insurance for Katrina Damage, PBS, NewsHour with Jim Lehrer, September27, 2005
- S. Fla., Insurers, Adjusters Backlogged With Damage Claims from Wilma, Insurance Journal, December 2, 2005
- Post Disaster Building Costs Jump, www.nola.com, December 15, 2005
G. Sample Declarations Page and Forms