How to Prepare Your Property and Insurance Before a Storm Hits

Louisiana Insurance Commissioner Tim Temple advises homeowners to verify their insurance readiness ahead of incoming tropical storms. Named storm deductibles apply once per season, meaning property owners should carefully document and combine damage expenses across multiple storms to meet their policy threshold. Because standard policies exclude rising water, securing dedicated flood coverage remains essential for all property owners regardless of location. Homeowners can actively lower their expenses by participating in roof fortification grant programs and routinely shopping their insurance policies to take advantage of dropping market rates.