Flood Insurance

Louisiana residents who live in areas that are prone to flooding will need to purchase flood insurance to be fully protected financially. This is because most homeowners insurance will not extend to losses that are due to overflowing bayous, backed-up sewers, rising rivers, or any other cause for water damage that does not originate within the four walls of your home.

Know the Basics:

In Louisiana, if your home is financed through federally-funded loan programs (FEMA), and you live in a high-risk area, you are required by law to obtain flood insurance coverage. In addition, residents whose home loans are through private mortgage companies can be compelled to purchase indemnification by these lenders as well. All flood insurance policies are issued by the government's National Flood Insurance Program, and you can purchase this coverage through Rabalais Insurance Group, LLC.

People who live in areas with a moderate risk of flooding are also encouraged to purchase flood insurance, as a full 25% of flood insurance claims are related to houses located in a low-to-moderate flood risk zone. This is because flash flooding can occur almost anywhere and for a variety of reasons, and it has unfortunately caught many off guard in the last few years.

Homeowners can purchase coverage that will cover costs related to structural damage, and they can also buy coverage that will help replace their personal possessions. Flood insurance will also protect you regardless of whether a disaster has been declared, and there is typically a 30-day waiting period between when you apply for flood insurance and when it will go into effect.

We're here to Help

We are experienced in providing the St. Tammany Parish and surrounding areas with the flood insurance coverage that they need and we invite you to visit our website where you can use our handy rating tool to also find a quote on homeowners and automobile insurance. Contact us today to schedule an appointment with one of our agents, and we will be more than happy to discuss all your flood insurance options with you.