No major storms just yet, but it’s time to prepare for hurricane season.
Insurance experts are advising state residents to understand exactly what is or isn’t covered within their policies before they’re impacted by a storm and left with a rather expensive problem. Louisiana Insurance Commissioner Tim Temple joined WWL’s Tommy Tucker to discuss what you should do if you have any concerns or questions about your coverage ahead of any potential disturbances in the Gulf of Mexico.
“If you know you live in an area prone to flooding, let’s start thinking and prepping now,” Temple told listeners.
Much of that prepping has less to do with laying down tarps and boarding windows, but actually knowing what your insurance policy does and does not cover. “Be insurance-ready. By that, I mean understand how their insurance policy works, what it covers, and what it doesn’t cover. We need people to read their policies and understand them to the best of their ability,” Temple emphasizes.
Many homeowners in the area may be a bit unclear about what exactly is covered within their policy, and those little details can make a huge difference, Temple warned WWL listeners.
“Whether you’re with an independent agent or a direct writer, sit down and talk to your agent and have them explain exactly what’s covered and what’s not. When people understand how their insurance works, they will have a better claim result when that claim occurs,” the Louisiana Insurance Commissioner points out.
Ultimately, Temple advises those with questions or concerns to reach out directly to their insurance provider and have the necessary conversations to gain clarity while hurricane season is still in its early stages.
"Your insurance agent can be your best friend when you have these questions," Temple told WWL listeners. He also advises those in Louisiana without fortified roofs to look into the program, as insurance providers prefer to cover homeowners who have fortified roofs on their homes.
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