Guidance on Filing a Claim After a Storm

The Louisiana Department of Insurance offers the following guidance on filing a claim. First, make sure it’s covered under your insurance policy. Homeowners policies do not cover flood damage, you must purchase a separate policy. Click here for Frequently Asked Questions on Flood Insurance.

Here’s a few tips that can help you navigate the process of filing a claim due to storm damage: 

• Contact your insurance agent. Gather as much information as you can about your policy including how much time you have to file a claim.
• Reduce your losses and Keep track of the damage. Snap a few pictures of any damage to your property. Residents are also encouraged to make temporary repairs.
• Keep your receipts. Your policy could cover the cost of temporary housing if you’re unable to continue living in your home due to damage.
• Agents, Adjusters, and contractors identification. Speak with your adjuster and contact the Better Business Bureau in your area before signing contracts for repairs. Click here for downloadable quick facts on working with an adjuster.