Flood-related damage is one of the most widespread natural disasters and can wreak havoc unexpectedly. Flooding is a significant threat in Baton Rouge LA. The prevailing inches of floodwater may cause tens of thousands of dollars in terms of damage. Regrettably, many Baton Rouge, LA residents only think about flood insurance when the uncertainties strike. Are you concerned that your house and your belongings might not get protection against floods? Engage our agents at Cordell Insurance, who will assist you in designing the best flood insurance coverage proportional to your needs and budget, irrespective of where you are situated.
Is flood insurance mandatory in Louisiana?
Flood insurance is not mandatory in Louisiana. However, people who reside in specific regions located in flood-prone areas like the Mississippi River may need to buy flood insurance to qualify for a federally-backed mortgage. Since home insurance doesn’t cover flood-related damage, all Louisiana residents should shield their dwellings with separate flood insurance coverage.
Flood insurance coverage options in Baton Rouge, LA
For those people residing in moderate or low-risk areas, it’s prudent for them to consider procuring flood insurance. Baton Rouge LA residents, can acquire flood insurance through NFIP or private insurers. Available coverage includes:
Building property coverage: This coverage protects the structure itself. It covers the physical form and its:
- Furnace and central air conditioning
- Plumbing and electric systems
- Built-in appliances like refrigerators and dishwashers
- Permanently installed carpeting, and paneling
- Foundation, walls, and support structures
- Detached garage
- Portable appliances like ovens and refrigerators
Personal contents coverage: It covers personal belongings(contents)in the building. It covers:
- Some portable appliances
- Freezers and foods inside them
Flood insurance in Baton Rouge, LA
It’s wise to check your policy wording carefully before purchasing your coverage and ensure you comprehend what type of flood damage is covered. Call us or visit our Cordell Insurance offices for detailed information about flood insurance policies.