Louisiana Public Adjuster
Licensed public insurance adjusters fighting for Louisiana policyholders after hurricanes, flooding, and catastrophic storm damage
10+
Years Experience
$100M+
Claims Handled
5,000+
Claims Filed
Licensed
Bonded & Insured
Why Louisiana Needs Public Adjusters
Louisiana faces the most severe hurricane risk in America. From Katrina to Ida, from Rita to Laura, Louisiana has endured repeated catastrophic hurricanes that have reshaped the state's insurance landscape. Combined with chronic flooding, subsidence issues, and a complex insurance market including Road Home and Louisiana Citizens, Louisiana policyholders need expert advocacy more than anywhere else.
Louisiana's insurance companies are among the most aggressive in disputing claims. They routinely argue that hurricane damage was caused by excluded flood, that damage was pre-existing due to Louisiana's harsh climate, or that repairs are adequate when full replacement is necessary. After major storms, they overwhelm adjusters with claims and rush settlements to minimize payouts before full damage is discovered.
The state's insurer of last resort, Louisiana Citizens Property Insurance Corporation, adds another layer of complexity. Citizens policies carry unique terms, deductibles, and claim procedures that differ from private market policies. Coordinating Citizens claims with NFIP flood insurance and other coverage sources requires specialized knowledge that most homeowners simply don't have—and that insurance companies count on you not having.
Corbitt Public Adjusting has represented Louisiana hurricane victims through multiple catastrophic storm seasons. We understand Louisiana's unique challenges: wind vs. water disputes, Road Home coordination, subsidence issues, mold in humid climates, and the complexities of Louisiana Citizens policies. From New Orleans to Lake Charles, we fight to ensure Louisiana families and businesses recover fully after disasters.
Common Louisiana Insurance Claim Challenges
Hurricane Wind vs. Flood Coverage
The most common dispute in Louisiana hurricane claims is wind vs. water causation. Insurance companies attempt to shift covered wind damage to excluded flood or vice versa depending on your coverage. They claim roof damage was caused by rising water, not wind—even when wind clearly removed roofing before rain entered. We bring engineers, meteorologists, and forensic evidence to prove wind causation and secure proper coverage.
Louisiana Citizens Insurance Claims
Louisiana Citizens is the state's insurer of last resort, covering properties that can't obtain private insurance. Citizens claims have unique procedures, strict requirements, and complex coordination with federal flood insurance. We specialize in Louisiana Citizens claims and understand how to navigate their system to maximize your settlement while coordinating all applicable coverage sources.
Mold and Water Intrusion
Louisiana's extreme humidity means that any water intrusion quickly leads to extensive mold growth. Insurance companies deny mold coverage by claiming it took too long to report, that remediation should have prevented it, or that it's unrelated to covered damage. We establish clear timelines proving mold resulted directly from covered storm damage and secure full remediation coverage.
Subsidence and Foundation Issues
Louisiana's soil conditions cause ongoing subsidence and foundation settlement. After storms, insurance companies claim foundation damage was pre-existing subsidence, not storm-related. We work with geotechnical engineers and foundation specialists to distinguish between gradual subsidence and sudden storm damage, ensuring coverage for all hurricane-related structural damage.
Underinsurance and Replacement Cost
Louisiana's rising construction costs, specialized Gulf Coast building requirements, and elevation mandates mean many properties are underinsured. After total losses, policyholders discover their coverage is inadequate. We maximize every dollar of available coverage, document all applicable policy provisions, and ensure you receive full policy limits including often-overlooked coverages like debris removal and code upgrades.
Major Louisiana Markets We Serve
Corbitt Public Adjusting is licensed throughout Louisiana and serves all parishes statewide—from the Gulf Coast to North Louisiana.
Greater New Orleans
Capital Region & South Louisiana
All Louisiana City Pages
How We Help Louisiana Policyholders
Our Louisiana public adjusters provide comprehensive claim representation from initial damage inspection through final settlement. We handle all communication with your insurance company, coordinate with FEMA and Road Home when applicable, and negotiate aggressively to maximize your recovery.
We work with Louisiana-licensed contractors, structural engineers, and hurricane damage specialists who understand Louisiana Building Code, elevation requirements, and Gulf Coast construction. Whether you're dealing with hurricane total loss, wind damage, mold claims, or Louisiana Citizens disputes, we ensure your claim is properly valued and fully paid.
Louisiana-Specific Services
Frequently Asked Questions
What Louisiana Clients Say
"I cannot say enough to express the appreciation I have for Corbitt Public Adjusting. Following Hurricane Beryl, my insurance all but refused to pay anything toward repairing my home. My roof needed replacing, floors, doors, and many other areas of my home. This firm went to bat for me and didn't stop until they achieved the goal. Despite countless denials, appraisals, and over a year of back and forth, Corbitt won and I received a much needed settlement offer. They deserve all the stars available."
Deonica H.
"My house was destroyed in the last hurricane that floated through Texas. My insurance company initially paid out a portion of what it actually cost to fix my entire house. Miles responded and showed up to my house within 36 hours. He pointed out several areas that the insurance adjuster overlooked and showed compassion through the whole process. Miles expedited everything and made sure I was fully compensated. Finally back in my house and glad I went with this company."
Derrick W.
"After our insurance company denied our claim we were referred to Miles Corbitt Public Adjusting by a contractor who was giving us a quote and heard our story. This was a game changer. It took a year of back and forth, but we eventually won and were awarded more than initially discussed. Repair work is finally in progress and we couldn't be happier!"
Lucy M.
"Outstanding service — Corbitt Public Adjusting went above and beyond. When my insurance company unfairly denied my roof replacement claim, I felt completely overwhelmed. Miles and Katie stepped in and truly became my advocates. They were incredibly knowledgeable, professional, and relentless in fighting for what was right. Their professionalism, persistence, and genuine care turned a stressful situation into one with a successful outcome. Thanks to their hard work, my claim was finally approved."
Cheryl H.
"Corbitt absolutely rocks. No hype. If they say the insurance company is wrong, trust them. A huge tree had fallen on our home and our detached garage, fences broken at multiple posts, interior and structural damage. Our settlement went the distance — appraisers, an umpire, and some shady behavior from our insurance company. In the end, Corbitt delivered a great settlement that will actually allow us to make the needed repairs. Katie was fantastic all the way. Outstanding job all around."
Michael J.
Don't Settle for Less Than You Deserve
If your home or business has suffered damage, our team is here to guide you through every step of the insurance claims process. No matter the extent of the loss or the complexity involved, we work diligently on your behalf to secure a fair, timely, and fully supported resolution. From start to finish, we manage the entire claims process for you—ensuring you receive the full compensation your policy provides.