Understanding the Need for Flood Insurance in Louisiana

The risk of flooding in Louisiana is significant, irrespective of which flood zone you are in. At TWFG Landeche Insurance in Metairie, we provide comprehensive flood insurance solutions to ensure that you and your property are protected. The devastating floods of August 2016, affecting thousands across East Baton Rouge, Livingston, St. Helena, and Tangipahoa, underscore the critical nature of flood insurance.

Why Every Louisiana Resident Needs Flood Insurance

Even areas less likely to flood, such as zones B, C, and X, have experienced severe flooding. Statistics from the 2016 floods reveal that 20% of flood claims were filed from these zones. Unlike other natural disasters, floods can happen anywhere in the United States, making flood insurance an indispensable safeguard for your home and belongings.

Flood Insurance vs. Disaster Assistance

It’s crucial to distinguish between flood insurance and government disaster assistance:

• Flood Insurance: Pays claims regardless of whether a federal disaster is declared, ensuring prompt recovery without the requirement to repay.

• Disaster Assistance: Typically available only when a federal disaster is declared, often in the form of loans that must be repaid with interest.

Regulations and Recommendations for Flood Insurance

Homeowners who have received federal disaster assistance are required to carry flood insurance for the lifetime of the building to qualify for future aid. Renters are advised to maintain flood insurance to cover the contents of their homes, providing crucial financial protection.

Tips for Filing a Flood Claim:

• Separate Damaged from Undamaged: Ensure to keep damaged property separate from undamaged items.

• Document Everything: Create a thorough inventory of damages. Take photos and, if necessary, keep samples of damaged contents for the claims adjuster.

• Structural Damage: Photographically document areas of structural damage.

• Proof of Loss: Submit your proof of loss within 60 days of the flood. Note that this period may be extended in widespread disaster scenarios.

Get a Quote for Flood Insurance

Don’t wait until the next flood to consider how you’ll protect your home and possessions. Contact TWFG Landeche Insurance today for a flood insurance quote and expert guidance on the right coverage for your needs in Louisiana. Visit our website or call us directly at 504-228-7184 to get started.