NEW ORLEANS — A tropical system is bearing down on the Louisiana coast and is expected to bring heavy rains and serious, damaging flooding to the southeastern part of the state.
Here are some tips from the Louisiana Citizens insurance group to help you be prepared now, during and after the storm, should you need to make a claim.
BEFORE THE STORM
- Make a home inventory
- Have a current copy of your declarations page that has your policy number and your agent's number
- Review your policy with your insurance agent to determine if you have adequate coverage
- Repair loose boards, shingles, shutters and downspouts to prevent them from becoming an issue in high winds or torrential rain
- Have an evacuation plan, and include plans for your pets
- Make sure your emergency equipment is in working order, including a battery-powered radio, flashlights and extra batteries. Also, make sure to gather all medicine, replenish your first-aid kit and stock a week's worth of non-perishable food and water
- Charge your cell phone and fill your car with gas
- Program all emergency phone numbers
CHECKLIST: Your hurricane season supply kit
DURING THE STORM
- If you are advised to evacuate, leave as soon as possible. Retain all related receipts - they may be considered in your claim. If you aren't in a recommended evacuation and you plant to stay home, stay informed by listening to weather alerts
- Keep windows and doors closed at all time, and, if possible, board them up with wooden or metal shutters
- Stay away from the windows and in the center of the room, or, stay in an interior room
- Avoid flood water, as it may be electrically charged from downed power lines
- Check on family members and friends
AFTER THE STORM
- Check to be sure your family members are safe
- If you did evacuate, wait for official notice that it is safe to re-enter your neighborhood and your house
- Document damaged property, and take photos and videos. Don't dispose of any damaged items without approval
- Keep a record of any temporary repairs or expenses to prevent further damage to your property
Tips from the Louisiana Citizens Property Insurance Corporation.