Water builds up on the bottom floor of a home causing water damage.

Water Damage Insurance Claim

Knowing what to do next after water leaves your home or property in destruction can feel impossible. Let us take care of battling the insurance companies for you so you can focus your energy on rebuilding.

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When you work with the Disaster Insurance Claims team at Long & Long Attorneys at Law, you’ll be paired with an experienced water damage insurance claims attorney dedicated to seeking the settlement you deserve. With our extensive experience and proven expertise on your side, you’ll be in a much better position to combat any pushback the insurance company may give you as you’re trying to recover your losses. Water damage is incredibly destructive, and you deserve to be covered for the full extent of the damages.

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A Trusted Ally

When the insurance company denies your right to compensation, you can rest assured knowing you have a trusted ally on your side fighting for what’s right.

Results That Matter

When your life is turned upside-down, you need results that matter. We’ve helped policyowners collect more than $950 million in compensation, and we want to help you, too.

Free Policy Review

If you aren’t sure what to expect from your insurance company, call us, and we’ll review your policy, sharing our expert legal advice, at no cost to you.

5 Stars

We Are 5 Star Rated

We want to thank the team at Long & Long for helping us through our Hurricane claim. From the initial phone call we had with Long & Long, to our updates from our attorney, and everyone on the team in between; we were treated like royalty. We wish we had called sooner. We would recommend them to any of our friends and family. Thank you Long & Long!

Mike Dupre

I am a Hurricane Laura and Delta victim from Lake Charles, LA. After receiving NOTHING from my homeowners insurance company I was forced to get a lawyer. My health wouldn’t allow me to fight them myself. My attorney Cate Biggs was such a blessing. To have such good representation and having never met her was a relief. Her team was just as good as she was. I have never had a lawyer for anything like this and although I hope I never need another for this reason but if I do Long and Long will be representing me again. God bless them all.

D’Awndra Kirkwood

My home was damaged in Hurricane Laura and like pretty much everyone in our area, the repairs were underestimated by my insurance company. Realizing I was out of my depth I contacted Long and Long for assistance in keeping the insurance company honest in holding up their end of our agreement, returning my home to its pre-damage condition. My attorney, Cate Biggs, and her whole team worked tirelessly on my behalf through this process and made sure I was "done right" by my insurance company. I hope I never need to work with Long and Long again, but should I ever find myself on the wrong [end] of an insurance companies' malfeasance, I will not hesitate to give them a call.

Chris T.

Our home was extremely damaged and flooded after Hurricane Sally. I was at a complete loss of how to navigate through the process of making spreadsheets or how to handle our flood and wind claims. Cate and her team did a wonderful job helping me. They handled everything and I was very pleased with the settlements they got for us. I would definitely recommend them!

Beverly Ford

Long & Long completely exceeded my expectations. I didn’t know that anyone needed a lawyer when you have an insurance claim, but you do. Long & Long explained everything that was owed to me under my fire insurance contract and made sure the insurance company paid it. Long & Long knocked it out of the park on my settlement.

Russel Vaughn

Bennett Long represented my company and me in a complex property damage and lost income claim. His knowledge and capabilities far exceeded all my expectations. The entire staff at Long and Long are professional and friendly. After handing over to them one of the most difficult business challenges I've faced, not once did I question their abilities or dedication to work towards what was best for me, the client. I am extremely happy with the outcome and shudder to think where I might be without their expertise and ability. Working with Long and Long is one of the best decisions I've ever made.

Moreland Machinery

Water Damage Is Surprisingly Destructive

Homeowners often underestimate just how damaging water can be. Once it seeps through your walls and insulation, entire sections of your property can be damaged beyond repair and require replacement. This is a stressful and costly process, so our team strives to make it as easy as possible for you. We’ll deal with the insurance company on your behalf so you can focus on rebuilding.

Water pooling on interior floor causing damage

We Have Collected Over $950 Million for Policyholders

At Long & Long we’ve secured more than $950 million in settlements for policyholders. With extensive experience and knowledge of the insurance industry, our legal team excels at navigating the claims process and putting forth the evidence necessary to get you the settlement you deserve — even if it means fighting in court.

We Get Great Results For Our Clients

Results vary and depend on the facts of each case.


Hurricane disaster and storm surge litigation recovery.


Hurricane rain and wind pre-litigation settlements


Hurricane rain and wind claim litigation recovery.


Pre-suit settlement for hurricane damage to a marina. The prior settlement offer was $1,200,000.


Additional recovery for a hurricane-damaged hospital.


Recovery for hurricane damage to a shopping center. The prior settlement offer was $445,000.


Pre-suit settlement for damage to multi-owner residential property.


Business interruption pre-suit settlement for Hurricane losses. Prior offer was $350,000.

What Comes Next?

Whether your claim has been denied and you are seeking to appeal or your policy is so confusing that you are unsure where to even begin with filing a claim, the first step is a free policy review. Our team of experienced water damage insurance claims attorneys will go over your policy at no cost to determine the best way to get your maximum compensation.

When you file a water damage insurance claim with your insurance company, the insurance adjuster will be sent out to your home or business to assess the damages. Often, these assessments do not reflect the true extent of the water damage, and they are done with your least possible payout in mind. When Long & Long is on your case, we conduct our own expert investigation to provide as evidence to the insurance company that you deserve more.

You have the right to a fair settlement, and insurance companies will seek to deny you that right by offering to underpay for your claim. They know you are needing compensation for your damages as soon as possible, so they expect you to accept less than what your claim is worth. Let our team of dedicated insurance claims attorneys handle all the negotiations while you and your family focus on recovering from this disaster.

If your insurance company is not willing to offer a fair settlement through negotiations, we are willing to fight tirelessly for you in court to maximize your claim.

Our attorneys know that there is no time to waste in these situations. You have to pay for costly repairs, replace broken or damaged appliances, maybe even hire pest control or mold removal services to deal with the effects of the water damage. That is why we don’t stop until the check gets to you, and you don’t owe a thing unless we win. Contact us today, and let’s begin rebuilding together.

The Insurance Adjuster is Not Your Friend

After you file an insurance claim for water damage, an insurance adjuster will likely conduct an investigation. The insurance adjuster works for the insurance company, and it is his job to underpay your claim. To maximize your claim, call a water damage insurance claims attorney immediately. Unlike a public adjuster, an insurance claims attorney has the legal knowledge and the ability to follow through on your recovery. Not only will an attorney conduct a more accurate assessment of the damage, but public adjusters often pass the case on to a lawyer themselves. If this happens, you’ll be paying for the assessment twice. Don’t wait. Contact Long & Long today for a free consultation.

Frequently Asked Questions

Water damage can vary quite a bit. It can be centered in an isolated area or spread out more extensively. It can seep into a property for days or remain flooded in a property for weeks. The extent of the damage depends on what the water touched, and for how long it was there for.

Unfortunately, water damage can be a bit more impactful than you might think. Discoloration on walls and ceilings is just the beginning. Water damage can allow for the growth of mildew and mold, the latter of which can be dangerous to your health. It can also attract pests like termites. Structural damage may also occur. Depending on the extent of the water damage, the integrity of your home as a whole could be compromised. That’s why it’s so important to hire a competent water damage insurance claims attorney.

Strictly speaking, flood damage and water damage fall under two different types of coverage. Water damage coverage is fairly typical in the average homeowners policy, while flood damage is something extra and usually requires a separate policy. In order to qualify as flood damage, at least 2 acres of land that’s normally dry has to be submerged in water, or two or more adjacent properties.

Sewer and drain backups can cause extensive water damage, and these backups are often covered in many homeowners insurance policies. Make sure to read through your policy to determine where you stand on the matter, and consult with an insurance claims attorney to determine how your claim should be presented to the insurance company.

Broken appliances like dishwashers or washing machines can cause significant water damage if they malfunction. Fortunately, this is often covered under most homeowners insurance policies. There are conditions, however, as the appliance must actually be broken rather than just installed incorrectly.

At Long & Long, we won’t charge you a penny until we’ve won your case. Because of that, you can always count on us to fight for your best interests.

If your home or business sustains damage:

Follow these steps to get the most out of your claim.



Take photographs of the property, making sure to showcase all areas with water damage.



Wait until after work has begun before submitting contractor bids.



Under-insurance penalties can mean you may receive much less than what you need.



Reach out to your water damage insurance claims attorneys at Long & Long as soon as you can. Oftentimes, public adjusters will hand claims over to attorneys anyway, meaning you could get charged twice.

Common Water Damage Claims Insurance Companies Deny

The most common cause for the denial of water damage claims is gradual damage. Most insurers won’t cover gradual water damage, alleging that you should’ve taken precautions to prevent the damage from getting too severe. While that can genuinely be the case, a lot of gradual damage goes unseen until it’s too late.

Just about every homeowners insurance policy contains exceptions for wear and tear damage. Essentially, insurers expect you to keep up with that kind of damage yourself and take the proper precautions. Regular maintenance on your home is a great way to stay prepared.

Flood damage is treated as something separate from general water damage for insurance companies. Your typical homeowners insurance policy will likely contain coverage for water damage, but flood insurance will have to be purchased separately. There are specific rules for what qualifies as flood damage, so be sure to consult with a lawyer if an insurer denies you compensation on those grounds.

Call Long & Long, Attorneys on Your Side

If your home or property has suffered water damage, and you are in need of compensation from your insurer, don’t wait to find out what you’re truly owed. An insurance adjuster will try everything they can to keep from paying you for your damages. At Long & Long, we are your ally in your fight to get compensated. We offer free policy reviews and work on a contingency fee-basis, so you don’t have to worry about paying any fees unless we win for you! Call or fill out our online form today.