Schexnaydre Law Firm, LLC

What you need to know about flood insurance

Flood waters recently swept through Louisiana, damaging and ruining houses and property throughout the state. Thousands of families and individuals must now sort through the damage and figure out how to get any benefits or support they can so that they can get back in their homes.

Here are the basics of what you need to know about receiving compensation and insurance benefits for flood damage:

  • Flood insurance is not covered by private insurance agencies; it is a federally funded program. You must have a separate policy through FEMA to receive benefits - not just your home owners policy.
  • Flood insurance is not intended to make you whole again (it does not fully compensate you for all damage), but rather just to get you back into a livable home.
  • If you did not have a flood insurance policy, you may be still able to get FEMA relief, to some extent. This likely will depend on whether the area was declared a state or national disaster.
  • If you took preventative measures to protect your home from flood damage (such as sand bagging and boarding up windows), you may be able to get compensation for your time and efforts. Always keep track of the time you spent protecting your property from damage.
  • In some cases, homeowners were not informed that they lived in a flood zone and did not take out sufficient flood insurance. There may be options for filing a claim to receive proper benefits, in these cases.
  • If you are in a flood zone, your basement will likely not be covered, even with flood insurance. This means that finished basements will not restored; only basics like insulation and unfinished dry wall will be compensated. You need to make sure that you do not store any personal property in the basement.

Flood coverage can be very specific and complex, with plenty of room for denied claims. You need a skilled attorney on your side advocating to ensure your rights under the policy are protected.

At Schexnaydre Law Firm, LLC, our attorneys are experienced in representing homeowners in flood damage situations, ensuring that they receive the full amount of benefits they deserve.

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Schexnaydre Law Firm, LLC
2895 Highway 190, Suite 212
Mandeville, LA 70471

Toll Free: 888-339-0696
Phone: 985-231-1791
Fax: 985-235-1089
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