Louisiana homeowners are being urged to check their insurance paperwork before heavy rain raises the risk of flash flooding across the state.
The warning comes as the WAFB First Alert Weather Team says heavy rain that could lead to flash flooding remains the main local concern. According to WAFB, Louisiana insurance officials are telling residents to review both homeowners and flood insurance policies before water is already at the door.
Louisiana Insurance Commissioner Tim Temple said residents should review their policies now, talk with their agents about possible out-of-pocket costs, and keep insurance information ready in case they need to file a claim.
A flooded yard, water in the house, damaged furniture, or a soaked vehicle can fall under different policies, limits, and deductibles.
Homeowners Policies Usually Do Not Cover Flood Damage
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The Louisiana Department of Insurance says flood damage is not covered under standard homeowners policies. Flood insurance can be purchased through the National Flood Insurance Program, private insurers, or surplus lines insurers.
The department’s flood insurance page says flood coverage can help protect homes and businesses from specific flood events, including in areas considered moderate or low risk.
FEMA also cautions that National Flood Insurance Program policies typically have a 30-day waiting period before coverage takes effect, unless an exception applies. That makes a policy review useful before storm water is already moving through the neighborhood.
Deductibles Can Leave Owners Paying Thousands First
WAFB reported that storm or hurricane deductibles on homeowners policies are often between 2% and 5% of the insured value.
The Louisiana Department of Insurance gave this example: a homeowner with $200,000 in insured value and a 3% hurricane deductible would typically pay $6,000 out of pocket before coverage starts.
A homeowner may have a policy and still face a large first payment before insurance begins covering the rest of an approved claim.
Photos Can Make Claims Easier After Water Damage
State insurance officials are also urging residents to document belongings before the threat arrives. WAFB reported that homeowners should use a phone to photograph items around the property, including brand names and serial numbers.
Officials also recommended trimming trees, securing loose backyard furniture, and cleaning gutters and storm drains before heavy rain.
Before the next downpour, the simple list is worth doing: review policies, call the agent, photograph the house and belongings, secure the yard, and keep claim information where it can be found quickly.