Louisiana restoration company marketing that holds up when the governor declares an emergency

Homeowners want help with the claim, and Louisiana limits how much a contractor may give. The safe line for every ad and script: talk about the damage and your estimate, never about what the policy pays.

Louisiana's contractor claim law lists what any contractor may not do. It may not interpret policy coverage or act as a public adjuster. It may not advertise claim or policy interpretation services. It may not take a fee for sending someone to a lawyer, or require an owner to sign with one.

The same law adds a duty. Before you hand an insured owner an agreement authorizing repairs, you owe a good-faith estimate that itemizes services and materials. You also answer for what your paid canvassers say about coverage and estimates. So the door hanger script is your problem too.

Lines to fix first:

• "We handle your claim." Rewrite it as what you document: moisture readings, dated photos and an itemized estimate the adjuster can read.
• "Free claim review." Drop it. Reviewing the claim is the policy interpretation the law forbids.
• Referral deals with law firms. No money changes hands for sending a homeowner to a lawyer, in either direction.

Only licensed public adjusters may solicit or adjust a claim for the insured, under Louisiana's public adjuster licensing law. If you work beside one, keep the roles apart on your pages. Their name and license go on their part of the job, and yours on the repairs.

The deductible is the other trap. Louisiana's deductible law bars paying, waiving or absorbing it on an insurance-paid job without the insurer's consent. It also bars advertising that you will, or raising the price to hide it. So "deductible assistance" and storm credits that cancel it out come off every page.

The contract carries the reverse message. On insurance-paid work of $1,000 or more, the state's deductible notice law requires a notice in 12-point bold that the owner must pay the deductible. Put it on the estimate template once and it is done.

A hurricane loss in Louisiana often splits in two. Floodwater rises from the ground, and wind drives rain in from above. Each claim runs on its own deadline, and your page should help the owner meet both.

The flood policy pays for water rising from outside, while wind-driven rain and leaks through a storm-torn roof belong to the homeowners claim, as FEMA's flood claim page explains. FEMA also says the flood claim can take four to eight weeks to finalize and pay. With a mortgage, the lender's name goes on the check. Set your payment terms with that wait in mind.

The proof of loss is the owner's job. The federal standard flood policy gives the homeowner 60 days after the loss to send a signed, sworn proof of loss. The adjuster's help with the form is a courtesy only. Your moisture logs and dated photos are what fill it in, so hand them over in a form the owner can attach.

The wind side runs on Louisiana's clock. Under the state's claim payment law, a private insurer must start adjusting within 14 days of notice, or within 30 days after a catastrophic loss. It must pay within 30 days of satisfactory proof of loss. Penalties after a catastrophic loss on a home sit in a different section, so a storm page should not quote a penalty figure.

What the owner needs from your page that week:

• Which claim is which. A short note that water from the ground and water from the roof go to different policies.
• The flood deadline. Sixty days for the proof of loss, counted from the loss.
• Your documents. What you send after each visit and in what format.
• What you will not do. No coverage opinions, which keeps you inside the claim rules above.

Calling past water customers about a rebuild or a mold check is good business. Louisiana adds its own registry and its own quiet days on top of the federal rules.

• Register first. The Public Service Commission runs Louisiana's own do-not-call program. Its seller FAQ says registration is required whatever the company's size, and the national list does not replace it.
• Recent customers. Louisiana's do-not-call law exempts calls to a current customer or one whose business ended within the last six months. A water job from last hurricane season is usually outside that window.
• Quiet hours. Sales calls stop on Sundays and legal holidays, and every evening from 8 p.m. until 8 a.m. the next day, under the commission's calling order.
• Carnival days. The commission's holiday list includes Mardi Gras, and Lundi Gras when the governor proclaims it. Your callback list waits for Ash Wednesday.
• Recording. A party to the call may record it under Louisiana's one-party consent law. A homeowner calling from a state with a stricter rule changes that.

The federal consent rules sit on top, and our texting and AI answering playbook covers them. An AI receptionist that picks up storm-night overflow should put an extraction crew on the calendar, not leave a note for morning. This page is not legal advice. Confirm with counsel before the first outbound campaign.