Commercial Property & Homeowners' Property Insurance Coverage

Lugenbuhl’s lawyers provide commercial property insurance coverage and homeowners’ property insurance coverage analysis and advice to many of the nation’s largest insurers on a regular basis. Our attorneys’ unique experience and broad base of knowledge puts Lugenbuhl in the premier tier of this area in the Gulf Coast.

Our collective knowledge of the issues permits us to lead our clients through complex property-loss-causation-and-valuation issues and provide thorough opinions regarding an insured’s commercial property coverage. Lugenbuhl’s attorneys also have the knowledge and experience to evaluate the loss of business-income claims that often accompany commercial property losses.

Our lawyers have worked on numerous storm-related residential property claims, including claims arising from Hurricane Katrina, Hurricane Rita, Hurricane Isaac, Superstorm Sandy, and other wind and hail storms that impact Louisiana and Texas every year. Lugenbuhl’s lawyers also handle non-catastrophic homeowners’ claims, such as claims for theft, non-storm water damage, and intentional and unintentional fire claims. This perspective allows us to counsel and assist our clients with pre-litigation issues, such as fabricated claims, policyholder misconduct, examinations under oath, and appraisals. It also allows our seasoned litigators to navigate our clients through litigation of contractual and extra-contractual claims, such as bad faith and prompt-payment violations.

With expertise in both Louisiana and Texas laws, our attorneys have successfully helped insurers evaluate and/or litigate the following issues:

  • Evaluation of personal property damage including investigation of proof of ownership and valuation
  • Investigation and evaluation of commercial losses and business income claims
  • The appraisal process, including petitions for a court-appointed umpire
  • Fraudulent-claims investigations
  • Pre-litigation investigation, including examinations under oath
  • Fire-loss investigation
  • Boiler and machinery coverage issues
  • Vacancy issues
  • Valued policy law issues
  • Application of the water-damage exclusion
  • Application of the wear-and-tear and faulty workmanship exclusions
  • Overhead and profit issues
  • Ordinance and law issues
  • Bad faith claims
  • Prompt-payment claims
  • Duty-to-mitigate issues
  • Duty-to-provide-prompt-notice-of-loss issues
Key Contacts
Seth A. Schmeeckle

Seth A. Schmeeckle

New Orleans Office
Joseph P. Guichet

Joseph P. Guichet

New Orleans Office

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