Louisiana Hurricane Season: Is Your Insurance Ready?
Louisiana Hurricane Season: Is Your Insurance Ready?
In Louisiana, hurricane season stretches from June through November, with the worst storms usually rolling in between August and October.
Understanding Your Homeowners Insurance
Most standard homeowners' insurance policies cover wind damage caused by hurricanes, but there’s usually a catch: a separate hurricane deductible. That means instead of a flat dollar amount, your deductible might be a percentage of your home’s insured value, typically ranging from 2% to 5%. For example, if your home is insured for $200,000 with a 5% hurricane deductible, you’d be responsible for the first $10,000 in damages.
And here’s the big one: standard homeowners' insurance usually does not cover flood damage, even if a storm or hurricane causes it.
The Importance of Flood Insurance
Flooding is one of the most common and costly disasters in Louisiana. And it’s not just people in high-risk flood zones who need to worry. One heavy rain, one clogged drain, or one storm surge is all it takes.
That’s why flood insurance is so important. You can buy it through the National Flood Insurance Program (NFIP) or a private insurer. If you have a mortgage and live in a high-risk zone, you’re likely required to have it. But even if you’re not, it’s worth considering especially since most flood policies have a 30-day waiting period before coverage kicks in.
How to Get Your Home (and Your Coverage) Hurricane-Ready
Review your insurance policies. Understand what’s covered, what’s not, and how much your hurricane deductible is.
Check if you have flood insurance and if not, consider adding it.
Take photos or video of your home and belongings. It helps with claims later.
Trim trees, secure outdoor furniture, and do any needed home maintenance.
Build or restock your emergency kit with essentials like water, food, medications, batteries, and key documents.
Make a family evacuation plan and share it with everyone in your household.
📞 Need Assistance?
At Tibbetts Insurance, we help Louisiana families prepare for whatever comes, with insurance policies that are clear, reliable, and built around your life. If you’re not sure where to start or want someone to walk through your current coverage, just give us a call.
We’ll help you weather any storm with peace of mind and a plan that works.
Start your quote today: tibbettsinsurance.com/getaquote
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