Over one in five Louisiana homes have a substantial flood risk, which is set to grow exponentially in the next thirty years. To this end, Covington, LA homeowners will want to ensure their flood insurance policies cover the home and outdoor structures on the property.
Flood Insurance: What’s Covered and Not Covered
Flood insurance compensates for flooding caused by storm surges, inland flooding, flash floods, and melted snow. It covers your home’s structure, appliances, and most personal belongings. For example, flood insurance will cover repair and replacement costs if a hurricane floods your home and damages the HVAC unit, plumbing, appliances, and furniture. However, it may not cover valuable personal items like antiques or heirlooms. It also doesn’t cover outdoor structures such as a pool, deck, fence, shed, or detached garage.
Flood Insurance Coverage for Outdoor Structures
Cleaning a pool and repairing or replacing outdoor structures can cost tens of thousands of dollars. For this reason, you’ll want to ensure they’re fully insured. While flood insurance doesn’t automatically cover these structures, you can talk to your insurer about coverage for outdoor structures on your property. Your insurance agency will likely send someone to your home to check and appraise the structures. You’ll then be presented with various policy options to choose the form of coverage that best fits your situation.
Call Soto Insurance Agency Today
Soto Insurance Agency has over ten years of experience helping homeowners in Covington, LA, choose home and flood insurance. Our team offers personalized assistance and expert advice to ensure every part of your home has the coverage it needs. Call us today to find out more or to get a price quote.
