Hurricane Resource Center

Four Steps for Hurricane Season Preparedness

• Get flood insurance. Flood damage resulting from heavy rain or storm surge is not a covered peril in standard homeowners policies and there is typically a 30-day waiting period before a flood insurance policy takes effect. For information on a subsidized National Flood Insurance Program (NFIP) policy, contact your agent or visit www.floodsmart.gov. You can search for an agent on the LDI website at www.ldi.la.gov/findagent. For more information on private flood insurance, visit our flood insurance webpage.
  
  
• Check up on your insurance coverages. Named storm and hurricane deductibles typically run 2% to 5% of the insured property value. If a home has an insured value of $200,000 with a 5% hurricane deductible, the policyholder would pay $10,000 out of pocket before insurance coverage took effect. Details of these deductibles are listed on the declarations page of your policy.
  
  
• Update your home inventory. You can use your phone to take pictures or video of the items in your home. Having a record of your possessions will make the claims process easier in the event of property damage or loss. Include identifying information such as brand name and serial number. The NAIC Home Inventory App makes it easy for you to create a record of your belongings. The app allows users to upload and export photos, find disaster preparation advice and review information about filing a claim. The NAIC Home Inventory App is available for download in the App Store and Google Play.
  
  
• Make an evacuation plan. Have copies of your policies and your agent’s contact information ready to go in case of an emergency evacuation. This will enable you to start the claims process as soon as possible if your home is damaged in the storm. 

Additional Information 

Consumer's Guide to Homeowners Insurance
Weathering the Storm
Catastrophe Claims Process Disclosure Guide
Wind Mitigation Incentives
Hurricane Health Insurance Preparedness
Medicare Emergency Information for Seniors