PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
Does flood insurance cover damage caused by hurricanes?
If a hurricane causes damage to my home in Louisiana, will I be covered by my flood insurance? I moved here recently, so I haven't had to deal with this type of event yet.
Matthew Macgugan · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“A standard
flood insurance
policy will cover hurricane-related flooding, though you may have a separate deductible for hurricane damage claims.Hurricane-related wind damage is typically covered under your homeowners insurance. Again, wind and hurricane deductibles may be higher than regular home insurance deductibles.
Remember that a standard Louisiana home insurance policy does not cover flood damage. You must purchase flood insurance separately. If your home insurance provider offers flood insurance, you may add it on through them. If they don’t, you can either buy private flood insurance through another private insurer or you can get a federally backed flood insurance policy through the National Flood Insurance Program (NFIP).
Note that flood insurance doesn’t kick in right away; there is typically a 30-day waiting period. So don’t hold off until a storm is predicted to hit your area to purchase a policy—it will likely be too late.
Shopping around for insurance is easy with the
Jerry
app. Jerry will gather home and auto insurance quotes from over 50 of the nation’s leading providers and deliver them straight to your phone in under a minute.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies