Homeowners insurance offers zero protection after floods - KPLC 7 News, Lake Charles, Louisiana

Homeowners insurance offers zero protection after floods

LAKE CHARLES, LA (KPLC) -

Many homeowners don't realize it until it's too late. Owning a simple homeowners insurance policy will do nothing to protect residential properties from floods, like those taking place along the Mississippi River.

Tom Clarke, Jr. with Clarke Insurance in Lake Charles, said many people often mistake having homeowner's insurance as all they need to protect their homes from flooding, because homeowner policies often include water damage coverage.

 "Homeowners policies, most of them are very broad and cover many things, however flooding, rising waters, overflowing rivers, whether wind driven or not, is not covered under a standard homeowners policy," said Clarke. "So, if we did have a problem, if the river overflowed and flooded your home, your homeowner's company would not pay for it."

Clarke said homeowners insurance policies cover only water damage that originates inside the home, not outside. For example, if a hot water tank were to burst and flood the inside of a house, a homeowners policy would most likely cover it. However, if the home were to flood because of rising waters from a river, it would not be covered under a standard homeowners policy.

Clarke recommends residents concerned about flooding, purchase flood insurance.

It's estimated 20% of Americans live in an area at risk for flooding. Residents living in high risk areas are required to carry flood insurance. According to FEMA, flood insurance covers two types of property: building and possessions.

Clarke recommends anyone with questions about their homeowners or flood insurance to contact their insurance agents, who will be able to provide them with specific information about their policy.

ADDITIONAL INFORMATION

To learn more about flood insurance, visit the official site of the National Insurance Program.

Copyright 2011 KPLC. All rights reserved.

  • More Local NewsNewsMore>>

  • TOUCHDOWN LIVE: Quarterfinal round of playoffs

    TOUCHDOWN LIVE: Quarterfinal round of playoffs

    Friday, November 24 2017 10:55 PM EST2017-11-25 03:55:07 GMT
    (Source: KPLC)(Source: KPLC)

    Five Southwest Louisiana teams won last Friday night to reach this week's quarterfinals: Barbe, Jennings, Kinder, Welsh and Basile. QUARTERFINAL PAIRINGS CLASS 5A (9) Barbe (11-1) at (1) West Monroe CLASS 3A (18) Crowley (8-4) at (10) Jennings (9-2) CLASS 2A (8) Kinder (7-5) at (1) Welsh (10-1) CLASS 1A  (7) Basile (9-3) at (2) Oak Grove (11-1) FRIDAY NIGHT FOOTBALL FEATURES Touchdown Live Slideshow: To add your pics to the slideshow, email your...

    More >>

    Five Southwest Louisiana teams won last Friday night to reach this week's quarterfinals: Barbe, Jennings, Kinder, Welsh and Basile. QUARTERFINAL PAIRINGS CLASS 5A (9) Barbe (11-1) at (1) West Monroe CLASS 3A (18) Crowley (8-4) at (10) Jennings (9-2) CLASS 2A (8) Kinder (7-5) at (1) Welsh (10-1) CLASS 1A  (7) Basile (9-3) at (2) Oak Grove (11-1) FRIDAY NIGHT FOOTBALL FEATURES Touchdown Live Slideshow: To add your pics to the slideshow, email your...

    More >>
  • SWLA wakes up early for Black Friday

    SWLA wakes up early for Black Friday

    Friday, November 24 2017 8:56 PM EST2017-11-25 01:56:29 GMT
    Source: Christian PiekosSource: Christian Piekos

    Thanksgiving has come and gone. For bargain hunters, Black Friday marks the beginning of the holiday season. "On Thursday afternoon, I usually sit down with my paper and look through the deals and stuff," said Shawna Chapman, a veteran Black Friday shopper. "I pinpoint and get an idea of what I want." Alongside friends and family in matching Black Friday T-shirts, Chapman digs for the best deals in town - all before the sun rises.

    More >>

    Thanksgiving has come and gone. For bargain hunters, Black Friday marks the beginning of the holiday season. "On Thursday afternoon, I usually sit down with my paper and look through the deals and stuff," said Shawna Chapman, a veteran Black Friday shopper. "I pinpoint and get an idea of what I want." Alongside friends and family in matching Black Friday T-shirts, Chapman digs for the best deals in town - all before the sun rises.

    More >>
  • Moss Bluff man meets son for first time

    Moss Bluff man meets son for first time

    Friday, November 24 2017 8:28 PM EST2017-11-25 01:28:58 GMT
    Devin and Jeremy (Source: KPLC)Devin and Jeremy (Source: KPLC)

    A local man received a phone call a week ago from a son he never knew about - and welcomed him with open arms. After years of searching, 23-year-old Devin Hutchinson says he's found his birth father. "I had that in the back of my mind ever since I was a kid," said Hutchinson. "My parents would say, 'You'll find him one day.' I looked all the time when I was a little kid."

    More >>

    A local man received a phone call a week ago from a son he never knew about - and welcomed him with open arms. After years of searching, 23-year-old Devin Hutchinson says he's found his birth father. "I had that in the back of my mind ever since I was a kid," said Hutchinson. "My parents would say, 'You'll find him one day.' I looked all the time when I was a little kid."

    More >>
Powered by Frankly