Homeowners Insurance and How It Covers Wind, Flooding, and Theft Risks 

Living in Louisiana can bring challenges like severe storms, flooding, and property crime. At Foulcard Insurance Agency, we understand how important it is for our clients to protect their homes from these risks.

Understanding Wind Damage Coverage

Louisiana homeowners are no strangers to hurricanes and strong storms. Most standard homeowners insurance policies include coverage for wind damage, which can help pay for repairs if your roof, siding, or windows are damaged by high winds. However, some policies may have separate deductibles for hurricane or windstorm damage, and certain coastal areas might require additional windstorm coverage.

Flood Insurance: A Separate Necessity

Flooding is a major concern in Louisiana, and it’s important to remember that standard homeowners insurance does not cover flood damage. To protect your home from rising waters, you’ll need a separate flood insurance policy, often available through the National Flood Insurance Program (NFIP) or private insurers. Flood insurance can help cover the cost of repairing your home and replacing belongings after a flood event.

Theft Protection for Your Home

Property crime can happen anywhere, and homeowners insurance typically includes coverage for theft. This means your policy may help replace stolen items and repair damage caused by a break-in, up to your policy limits. It’s a good idea to keep an up-to-date inventory of your belongings and review your coverage regularly to ensure you’re adequately protected.

Contact Us

The team at Foulcard Insurance Agency in Franklin, LA works closely with you to explain policy details, identify coverage gaps, and recommend solutions tailored to local risks. Whether you’re concerned about wind, flooding, or theft, our team is here to help you make informed decisions and protect what matters most.

Contact us today for a personalized quote or more information.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.