Filing a Flood Insurance Claim: What You Need to Know Before the Next Louisiana Storm

Living in Louisiana means needing to be prepared for unpredictable weather and the risk of flooding. Given its topography, proximity to bodies of water and location along the Gulf Coast, conditions in the Pelican State demand careful planning, including securing suitable flood insurance and understanding how to go about filing a claim.

Steps to Take Before a Flood

Preparation is key. Failing to fully understand your policy or not taking appropriate steps to prevent damage could complicate the claims process. Consider the following steps:

• Review your coverage—Make sure you understand what your policy covers and keep a copy in a safe, accessible place.
• Document your property—Use photos and videos to document your home, including your belongings and any valuable items. This documentation will be crucial if you need to file a flood insurance claim.
• Mitigate possible issues—Take reasonable steps to limit possible flood damage, including sealing or covering holes and cracks that could allow water into your home.
• Create an emergency plan—Know your evacuation routes and have important contact information, including your insurance agent, readily available.

Filing a Flood Insurance Claim After the Storm

Once it’s safe to return to your home, take these steps to start your claim:

1. Contact us as soon as possible. Notify our team at Insurance Center of New Orleans as soon as possible. We’ll guide you through the claims process and answer your questions
2. Document the damage. Take clear photos and videos of all flood damage before making any repairs or removing items.
3. Make temporary repairs. Prevent further losses by making necessary temporary repairs and limiting the chance of other issues (e.g., removing saturated items to prevent mold issues). Keep receipts for any expenses involved in these processes.
4. Meet with the adjuster. We’ll help coordinate a visit from your insurance adjuster, who will assess the damage and make decisions regarding your claim.

Confirm You Have the Right Coverage

Our team is here to help Louisiana residents navigate the flood insurance claim process from start to finish. If you have questions about coverage or need help filing a claim, contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.