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.