La Insurance Commissioner calls for vigilance during peak hurricane season


BATON ROUGE, Louisiana – September 10 marks the peak of hurricane season according to the National Oceanic and Atmospheric Association, and the Louisiana Department of Insurance (LDI) advises consumers to remain vigilant as we enter the peak period. intense hurricane season to mid-August.

“This year, hurricane production is expected to be above average. However, we all know that it only takes one hurricane to cause major damage to a community, ”said Commissioner Donelon. “We’ve already seen so much rain this year that I’m worried about the lakes and rivers if we were to experience a hurricane. Take the time to prepare your home and insurance policies now to avoid the pre-hurricane rush.

LTD reminds citizens that home, business and flood insurance policies are the most important ways to protect your property from hurricanes. These products must be purchased in advance. It is imperative to act now, as National Flood Insurance Program (NFIP) policies will not take effect until 30 days after your request, and most property insurers stop writing policies when a storm hits the Gulf of Mexico.

In an effort to increase consumer choice in flood insurance, the LDI successfully passed legislation during the 2021 legislative session that makes it easier for private carriers to purchase flood insurance in our state. Commissioner Donelon encourages property owners to seek coverage through NFIP and / or private carriers to find a policy that best suits their needs and budget.

The Louisiana Department of Insurance offers the following additional tips to prepare for the peak of the hurricane season:

  • Access flood insurance through NFIP and / or private insurers. Flood insurance is the best insurance buy any homeowner can make in Louisiana, anywhere in our state. Visit for more information on NFIP policies.
  • Review your home insurance coverage. Check if you have a deductible named Storm, Wind & Hail, or Hurricane. These deductibles typically represent two to five percent of the value of insured property, not two to five percent of your damage. Make sure that your current level of coverage is still sufficient to repair your home or replace valuables if you experience storm losses in the face of high construction prices. If you’ve made any significant changes or improvements to your home, let your agent know to make sure your coverage reflects those renovations in the event of a claim.
  • Store copies of your important documents offsite. In the event of an emergency evacuation, you will want to have copies of your family’s essential documents and copies of your insurance policies readily available or backed up to cloud storage or removable disk.
  • Update your home inventory. You can use your phone to create a video, use an app, or use an old pen and paper, but be sure to take inventory of your belongings. A home inventory will facilitate the claims process for property damage or loss. You should include identifying information such as brand names and serial numbers and take pictures of your valuables and other contents in your inventory of your goods. One of those apps is the new NAIC Home Inventory app.

Landowners may also want to consider storm mitigation incentives. Items like secondary water barriers, roof bracing, and the strength of windows and doors can increase your home’s safety during a hurricane and lower your insurance premium.

Policyholders who have questions about their coverage or filing a claim can contact the Louisiana Department of Insurance. For additional consumer advice on preparing for the hurricane season, please see our comprehensive guides or visit or simply call 800-259-5300.

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