Tips for what to do after experiencing property damage due to severe weather

Tips for what to do after experiencing property damage due to severe weather
Flash flooding in downtown Baton Rouge (Source: Viewer)

BATON ROUGE, La. (WAFB) - Residents in East Baton Rouge Parish and surrounding areas experienced heavy rainfall, flooding, and tornadoes Thursday, June 6.

The city-parish government has received numerous damage reports. Residents can report weather-related property damage online here. Anyone in need of access to a computer can visit any library in the parish to fill out the form. Also, paper copies of the damage form will be available at library branches starting Monday, June 10. Forms need to be completed and turned in by Monday, June 17.

Tips to get help repairing property damage after severe weather

DAMAGE ASSESSMENT TIPS

Insured Property

  • Remember: Flooding generally is not covered under homeowners’ policies. Flood insurance is a separate policy offered through the National Flood Insurance Protection Program (NFIP) or through private insurers.
  • Notify your insurer to start the claims process
  • Document the damage by taking pictures of your property and the contents
  • Coordinate with your insurance adjuster in filing a Proof of Loss with your insurance company within 60 days of the flood

Uninsured Property

  • Document the damage by taking pictures of your property and the contents
  • If your property is flood damaged and you do not have flood insurance, help may be available from the federal government through small grants and larger low-cost loans

Renters

  • If you have renter’s insurance, storm damage is covered
  • Your personal property damaged by the storm will be covered according to your policies limits
  • You will have to pay a deductible before your losses will be paid out
  • If you are unable to occupy your rented house or apartment due to storm damage, your renters insurance coverage may help pay for additional costs you incur such as hotel bills

Vehicles

  • Notify your insurer to start the claims process
  • If you only have liability coverage, it’s possible that you will not be covered for any flood damage to your vehicle
  • Keep in mind you may have to pay a deductible
  • If your vehicle is declared a total loss because of flooding, you cannot buy it back
  • Louisiana law states the insurance company has to send the certificate of title to the Office of Motor Vehicles along with the application for a Certificate of Destruction

For more tips about claiming damage, visit the Louisiana Department of Insurance’s website here, or call 225-342-5900.

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