Given the still recent attack of Hurricane Katrina and the devastation it caused for so many Louisiana home owners, you need to get a Louisiana home owner insurance quote now if you have not already gotten one.
Flood insurance must be purchased from the National Flood Insurance Program (NFIP) provided by the Federal Emergency Management Agency (FEMA). With that in mind, it is important to realize that there are safety precautions you can take to better protect your home against the storms, high winds, and flooding associated with hurricanes as well as general “bad weather” that often hits southern states like Louisiana.
Consider the following repairs and upgrades before you head out to get your Louisiana home owner insurance quote:
Replace or repair your roof with sturdy materials. High winds will rip a poorly installed roof, or a roof made of weak material, right off your home.
Install windows made of durable materials. Not only does this help keep your windows from being blown into your home, but it also helps keep other debris from being blown into the open space your windows leave behind. Some Louisiana home owner insurance companies recommend installing storm shutters ask your insurance company about these.
All doors made of glass, such as patio doors or deck doors, should meet the safety standards set forth by the home owner insurance company.
There should never be any debris lying around in the yard. This debris could be swept up and blown into your home or your neighbor’s home.
Remove any trees and bushes that are too close to your home for your comfort.
Your insurance agent will have more suggestions for safeguarding your home against the dangerous weather sometimes experienced by Louisiana residents. A home owner insurance policy in Louisiana does not have to be expensive; ask about these safeguarding tips when you shop for your Louisiana home owner insurance quote.