LAKE CHARLES, La. (KPLC) - You’ve packed in your sandbags, gone to the store and gotten everything you need, figured out an emergency plan. You’re prepared to weather the storm, but did you think about things you can do to make sure you’re covered by your insurance?
Yes, that means getting flood insurance, but there are a few other things to consider.
Take photos and videos of valuables in your home as an inventory, and make sure you have a record of major household items in your home. Doing this will make it way easier to file insurance claims after a storm if you have damage or lose items.
There are also some things you can do around the house to avoid some dangerous situations. Elevate appliances and electronics, don’t leave surge protectors or other outlets on the ground.
Take the time to clear out your gutters because if they’re clogged water and debris can back up really quickly.
Make copies of important documents like birth certificates, passports, and insurance information.
If you don’t have flood insurance you should strongly consider looking into it, especially living in Southwest Louisiana.
However, don’t call trying to get flood insurance today, expecting it to go into effect immediately. It won’t cover you for the current storm developing in the Gulf. Once a storm is on the radar, it’s too late. New insurance won’t cover damage caused by that storm, as it usually takes about 30 days for coverage to kick in.
That being said, don’t let that stop you from getting flood insurance today. Just because it doesn’t cover you for this storm, remember, hurricane season just started.
That’s not to say you absolutely have to go get flood insurance. Do your homework and make sure you get the right plan for you. Call multiple agencies and get multiple opinions and quotes.