When hurricanes or tropical storms hit Louisiana, they often bring a combination of high winds, heavy rain, and flooding. But did you know that your insurance policy might not cover all of it?
One of the most common surprises homeowners face after a storm is learning that their wind damage is covered — but their flood damage isn’t. In a state like Louisiana, understanding this difference ahead of time can save you time, money, and stress.
What Is Wind Damage Coverage?
Wind damage is typically covered under your standard homeowners insurance policy. This includes things like:
Roof damage from strong winds
Broken windows or siding from debris
Interior damage caused by wind-driven rain
Fallen trees that hit your property
However, it’s important to read the fine print. Some policies in high-risk areas include wind or hurricane deductibles, which are often much higher than your normal deductible.
What Is Flood Damage Coverage?
Flood damage, on the other hand, is not included in standard homeowners insurance. It must be purchased separately, usually through the National Flood Insurance Program (NFIP) or a private insurer.
Flood damage typically covers:
Rising water from overflowing rivers, bayous, or storm surge
Damage to flooring, walls, and personal property caused by standing water
Mudslides or water-soaked land collapse
If water enters your home from the ground up — even during a hurricane — it’s usually classified as flood damage, not wind.
Why the Difference Matters
Let’s say a hurricane causes wind to rip part of your roof off, and rain pours in — that’s wind damage. But if water enters through your front door because of storm surge or rising water, that’s flood damage.
If you don’t have a separate flood policy, you’ll likely be responsible for all those repairs out of pocket — even if the storm itself is covered.
How to Protect Yourself
Here are a few steps Louisiana homeowners can take to avoid surprises after a storm:
Review both your homeowners and flood insurance policies carefully.
Understand your deductibles — especially for wind or hurricane-specific coverage.
Take photos and video of your home, inside and out, before hurricane season begins.
Ask your insurer to explain how they define “wind” vs. “flood” damage.
Keep digital copies of your policies and contact info for quick access after a storm.
Let Us Help If Your Claim Gets Denied
Even when you're prepared, insurers may try to shift blame from wind to flood damage — or vice versa — to avoid paying your full claim. At Joubert Law Firm, we help Louisiana homeowners fight back when insurance companies underpay, delay, or deny valid hurricane claims.
If you’re dealing with confusing coverage issues after a storm, contact us today at 225-761-3822. We’ll review your policies, explain your rights, and help you pursue the compensation you deserve.