Severe Weather Season
Heavy downpours and damaging winds can pop up anytime in your neighborhood during severe weather season. The 2018 Atlantic Hurricane Season runs June 1- November 30. There are steps you can take now to protect your property and possessions before a storm threatens Louisiana.
Review your coverages. Check to see if you have a hurricane deductible and flood insurance. A named storm and hurricane deductible typically run two to five percent of the insured property value.
Update your home inventory. Take an itemized list of all furniture, clothing, and valuables to help your adjuster in case of a claim.
Check your property for hazards. Reduce your risk of storm damage by removing hanging limbs and loose shingles.
Stock up on Supplies. Purchase basic repair supplies like tarps, plywood, hammers, and zip ties.
Click here to watch videos on preparing for storm season.
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Frequently Asked Questions
What is a hurricane deductible?
A hurricane deductible is a deductible that applies to damage caused by a named storm or hurricane. Insurers use percentage deductibles that are based on home value- so if a home is insured for $200,000- and has a five percent deductible, the first $10,000 must be paid out of pocket by the policyholder. Details of these deductibles are listed on the declaration page of a policy.
A storm is set to make landfall in my hometown. Can I make changes to my policy before that storm makes landfall?
It is best to review your policy and make changes weeks or months in advance. Once a named storm enters the Gulf of Mexico, it is unlikely that insurers will write coverage in areas that could be impacted. Flood insurance usually takes 30 days to take effect.
What are some of the vital documents policyholders should make copies of and store in a safe place?
For each member of your family, you will need a driver’s license, birth certificate, adoption papers, social security cards, passports, marriage license, divorce decrees, child custody papers, current military ID and more.
Will a landlord's insurance policy cover a tenant's personal belongings following a disaster?
A landlord's insurance policy typically does not cover a tenant's possessions. A renters insurance policy protects your personal items if they're damaged or destroyed.
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Disaster Preparedness: Health Insurance
A vital step in emergency planning is reviewing your health coverage. The following tips can help you make sure you and your loved ones get the care you need.
- Review your health insurance policy to become familiar with what you should do in the event of an emergency.
- Identify your network hospital. Find out from your provider what coverage your plan provides when you are displaced and need medical care outside of your area.
- Identify the pharmacy you are most likely to use and have their contact information on hand.
- Collect an emergency supply of items like eyeglasses, contact lenses, hearing aid batteries, dentures and any over the counter medicines you may need.
For more information on getting medical care in a disaster, click here.
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