Smiley Law - September 2018

HAS A HURRICANE DAMAGED YOUR HOME? We Help Clients With Post-Hurricane Insurance Claims

Many clients are unaware that Smiley Law Firm was founded in the aftermath of Hurricane Katrina here in New Orleans. As alarming photographs of water- covered neighborhoods, heaping piles of debris, downed power lines, and SOS messages circulated on televisions across the nation, our lawyers here at Smiley Law Firm wanted to help in the only way they knew how. While our areas of practice include construction law and business litigation, we are truly insurance claims lawyers, and we know that hurricane insurance claims are quite unique. Although normal insurance claims for water or fire have a fairly straightforward process, filing hurricane insurance claims can be complex.

The primary reason for the complexity is the sheer volume of claims filed in a short period of time after the hurricane, which can overwhelm insurance companies and cause them to either pay a settlement late or sometimes not at all. Additionally, hurricane claims are unusual because, more often than not, they include both flood and property damage. After Hurricane Katrina, our lawyers had to battle through all the policies in play for various kinds of damage. They found that the most beneficial claims for home and business owners are property claims, which our lawyers discovered by first classifying whether or not the damage was caused by wind or wind-driven rain and then calculating the appropriate compensation due to clients. Because our lawyers understand the intricacies of this process, they can work with the insurance companies to ensure that they are following all the laws when dealing with clients. Our lawyers can also help you find contractors who can give estimates to guarantee that you are properly compensated for damages that have occurred as a result of the hurricane. Because we have helped hundreds who suffered during the aftermath of Hurricane Katrina, we are reaching out to those who have suffered damage from Hurricane Harvey and Hurricane Nate. You can reach us by filling out a contract form on our website or by calling 504-894-9653.

TAKE A BREAK!

INSIDE-OUT GRILLED HAM AND CHEESE

Ingredients

• 8 slices of bread (Pullman works best) • 4 tablespoons unsalted butter, room temperature • 1/2 cup freshly grated Parmesan cheese (preferably Parmigiano- Reggiano)

• 8 ounces ham, thinly sliced • 1/2 pound Swiss cheese, sliced • 2 tablespoons Dijon mustard • 1/4 cup apricot preserves

Instructions

1. Butter each slice of bread on the outsides and sprinkle with Parmesan. 2. Layer ham and cheese evenly on top of 4 slices of bread. 3. Spread apricot preserves and mustard across the other 4 slices. Press sandwiches together. 4. In a cast iron skillet or large sauté pan over medium heat, grill sandwiches until golden, about 3 minutes per side. 5. Cut in half and serve.

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