Louisiana Insurance Commissioner recently said, "Here in Louisiana, we're hyper aware of the start of hurricane season and are ready and willing to prepare early, but we're not quite so vigilant about spring rains". Commissioner Donelon wants to remind Louisiana families to check their home insurance coverage before the rains come for spring. The Bonnet Carre' flood gates were open due to the high river levels after the the Northern snow melts. A review of your policy and some small preparations can make a difference if you end up filing a claim. Here are some tips from the Louisiana Department of Insurance
- Know your coverages. You may already have a policy but make sure you know exactly what it covers. If you don't own a policy, arrange to purchase one as soon as possible. Waiting until a storm arrives may be too late to protect your home and belongings.
- Update your home inventory. You can use your phone to take pictures or video of items in your home. This will make the claims process easier. Include identifying information such as brand name and serial number.
- Store copies of your important documents off-site. In case of an emergency evacuation, you'll have copies of your family's essential documents or backed up on a secure internet site or jump drive
- Get flood insurance. Flood damage resulting from heavy rain or storm surge is excluded from most policies. Also there is typically a 30 day waiting period before a flood policy takes effect so don't wait until the storm is near. You can request a flood quote through our website here