Ketry Law Firm proudly serves clients across Louisiana, offering dedicated legal representation in property insurance claims, personal injury, and criminal defense matters.

Tornado Claims

When a Tornado Damages Your Home or Business, Your Insurance Company Should Pay What You Are Owed

Tornadoes can strike with little warning, leaving behind catastrophic damage to homes, businesses, farms, apartment complexes, and commercial properties. While insurance policies are designed to provide financial protection after a disaster, many policyholders discover that obtaining a fair settlement can be far more difficult than expected.

At Ketry Law Firm, LLC, we represent homeowners, business owners, landlords, and commercial property owners throughout Louisiana who are struggling with tornado-related insurance claims. Whether your claim has been denied, delayed, underpaid, or improperly adjusted, we help policyholders pursue the benefits they are entitled to under their insurance policies.


Common Tornado Damage Covered by Insurance

A tornado can cause extensive damage that extends far beyond a damaged roof. Depending on the terms of your policy, coverage may include:

Residential Property Damage

  • Roof damage
  • Structural damage
  • Broken windows and doors
  • Water intrusion
  • Damage from fallen trees
  • Detached structures and sheds
  • Interior damage caused by wind and rain
  • Electrical and HVAC damage
  • Personal property losses

Commercial Property Damage

  • Building damage
  • Inventory losses
  • Equipment damage
  • Business personal property damage
  • Signage damage
  • Tenant improvements and betterments
  • Loss of rental income
  • Business interruption losses

Additional Living Expenses (ALE)

If your home becomes uninhabitable due to tornado damage, your policy may provide coverage for:

  • Temporary housing
  • Hotel expenses
  • Meals
  • Storage costs
  • Additional transportation expenses

Why Tornado Insurance Claims Are Often Underpaid

Insurance companies frequently attempt to minimize their financial exposure following major weather events. In many cases, policyholders are presented with settlement offers that do not fully account for the actual cost of repairs and restoration.

Common issues include:

  • Underestimating repair costs
  • Failing to identify hidden structural damage
  • Ignoring code upgrade requirements
  • Improper depreciation calculations
  • Delays in claim handling
  • Disputes regarding causation
  • Failure to include all damaged property
  • Inadequate business interruption calculations
  • Partial denials of covered damages

Even when damage appears obvious, insurers may overlook significant losses that become apparent only after repairs begin.


We Understand How Insurance Claims Are Evaluated

Attorney George Ketry brings a unique perspective to insurance disputes. Before practicing law, he worked as an insurance adjuster handling thousands of property claims. This experience provides valuable insight into how insurance companies investigate, evaluate, and defend claims.

Our firm understands:

  • Insurance estimating practices
  • Claims handling procedures
  • Building repair costs
  • Policy interpretation issues
  • Commercial property losses
  • Business interruption claims
  • Documentation requirements

We use that experience to advocate for policyholders throughout the claims process and litigation when necessary.


Commercial Tornado Losses Require Special Attention

Commercial property claims are often significantly more complex than residential claims. Tornado damage can impact not only the building itself but also operations, revenue, inventory, equipment, and future business opportunities.

We assist commercial policyholders with claims involving:

  • Office buildings
  • Retail centers
  • Apartment complexes
  • Warehouses
  • Industrial facilities
  • Restaurants
  • Hotels
  • Churches
  • Agricultural properties
  • Multi-family housing developments

Our goal is to ensure that all covered damages are properly documented and presented.


Signs You May Need an Attorney

You may benefit from legal representation if:

  • Your claim has been denied
  • The insurance company is delaying payment
  • The settlement offer seems too low
  • The insurer disputes the cause of damage
  • Significant damage was omitted from the estimate
  • You have received conflicting inspections
  • Your business interruption losses are disputed
  • Communication with the insurer has stalled

The sooner potential issues are identified, the better positioned you may be to protect your rights under the policy.


Louisiana Tornado Insurance Claim Representation

If your home, business, or commercial property sustained tornado damage, you do not have to navigate the insurance process alone. Ketry Law Firm represents policyholders throughout Louisiana in residential and commercial property insurance disputes.

We work to ensure that insurance companies properly evaluate covered losses and honor their obligations under the policy.

Contact Ketry Law Firm Today

Ketry Law Firm, LLC
📞 504-648-7777
📍 19524 Highway 36, Covington, Louisiana 70433