Frequently Asked Questions
You Have Questions, We Have Answers
Our Most Popular Questions
Yes, our services are available throughout the entire United States. We are based in Louisiana but serve customers nationwide. If you have a claim, we can help you in some capacity, no matter where you are.
Cajun Claim Services can represent policyholders on almost any type of property damage claim,
Catastrophes & Storms
Fallen Trees & Limbs
Plumbing Leaks/Busted Pipes
Typical claims associated with accidents and “Acts of God”, etc..
Loss of Business Revenue (Business Interruption)
Additional living expenses, due to claim displacement
Other Structures (garages, sheds, pools, fences, etc.)
Terrorism [when coverage applies]
YES! It is a good idea to mitigate the damage, but please take pictures or video before making repairs. Please call us before though, to make sure that you aren’t doing anything that will hinder your claim. Also, remember to keep all receipts for supplies and repairs, for reimbursement purposes.
Insurance appraisal is an avenue policyholders can take when they feel that their insurance company isn’t giving a fair claim award for the damages they’ve experienced. The Appraisal Clause, also know as The Appraisal Provision, allows you to have third parties voice their opinion on the damages, and amount to be paid. It’s been described sort of like court arbitration, but without courtrooms, lawyers, or judges. Most policies have an “Appraisal Clause”. To find the Appraisal Clause in your policy, look for the “Conditions” or “What to do after a loss” segment.
Cajun Claims Services and your insurance company each select an appraiser. Each appraiser must evaluate the loss and determine the value of each item. The appraisers attempt to agree on the amount of loss and value. If we can not agree on the amount, the appraisers then agree on a third party to act as an umpire. Umpires are used either to break an impasse in arbitration or to serve as specialized, long-term decision makers. Any disagreements between the appraisers regarding the value of any items are submitted to and settled by the umpire. The parties agree in advance that the decision will be accepted as final and binding.