When Hurricane Katrina hit New Orleans, the devastation was unimaginable. The city is still recovering from the damage, but it is not the only city in Louisiana that has been affected by hurricanes. Due to its vulnerable location in the Gulf, and the fact that parts of its coastline is below sea level, Louisiana is considered a high risk state for hurricanes. That makes getting the right protection even more important. Whether it’s a tropical storm or a hurricane that’s threatening your home, Louisiana hurricane insurance can protect your family from financial loss and instability.
Protecting your home from a hurricane can be complicated. A standard homeowners or business policy will cover certain kinds of hurricane damage, but not others. The two most damaging forces of a hurricane are wind and water.
Wind damage: Even a tropical storm can pack winds reaching over 50 mph. Strong winds can knock over trees and poles, send debris flying, break windows and doors, and tear roofing apart. Most homeowners and business policies cover wind damage, including the impact of flying debris and falling trees. But make sure that you have the right coverage limits to cover the value of your buildings and possessions. Each policy is different so don’t wait until it’s too late to find out that certain exclusions keep you from rebuilding, or repurchasing a vital piece of property.
Flood damage:, Natural flooding, such as that caused by heavy rains and storm surge, is not covered by standard homeowners or business policies. To protect your property from flood damage, you must purchase a flood insurance policy through the National Flood Insurance Program. If you live in a flood basin, like many do in Louisiana, this flood coverage is required, but the coverage minimums are sometimes not enough to replace your entire home and property value. A local agent can help you make sure you have enough flood coverage to meet your needs.
Some insurance companies will try to place a higher deductible on hurricane insurance, especially in risk prone states like Louisiana. It will depend on what kind of policy you purchase, but it’s very important that you pay attention to this tiny detail. It can mean the difference between thousands of dollars out of your pocket or full coverage.
Whether you’re buying multiple policies for home and business, or one comprehensive policy to protect your family during hurricane season, price is always important. It can be hard to find a reliable product and take the time to compare costs on each of them. When you work with a Trusted Choice® member agent, you have someone to compare policies and Louisiana hurricane insurance quotes for you. A local agent can also act as an advocate for you if you need to make a claim after a major storm. Contact a nearby agent today for your Louisiana hurricane insurance needs.