Home insurance in Louisiana is your policy, your deductible, and a claim that has to tell wind apart from flood. Bring the declarations page. Read the dwelling limit and whether the wind deductible is written apart from the ordinary deductible. A story from the last bad storm is not the page. Your address and your causes of loss are.
Rain blown under a shingle into a ceiling can belong on the homeowners policy. Water that rose out of a ditch, a bayou, or a street that could not drain may sit outside that policy and inside a separate flood policy. A raised house can have both at once: a wet gallery ceiling and a waterline on the piers. Ask which cause is named and which cause is set aside.
North Louisiana hail and a limb through a Shreveport roof are closer to a wind and hail claim than to a flood story. South Louisiana rot that followed a covered opening is a different question from rot that followed years of humidity with no storm at all. Earth movement and a slab that cracked on tight clay may be described apart from wind. Read the exclusions before you decide the brick crack and the missing shingles are one loss.
Belongings, loss of use, and the dwelling are different lines. A house you cannot sleep in because the roof is open is not the same as a rug that wicked water at the floor. Photograph the roof edge from the ground, the ceiling, and any line on the skirt or the slab. Keep wind photos and floor photos apart. Name the town. Lake Charles wind, Baton Rouge rain, and a Monroe hail core should not be filed with the same description.
Call with the page, the parish or town, and the path of the water. Through the ceiling, through a window, or up from the ground. Ask how a claim is opened and which deductible applies to that cause. Say whether the house is raised on piers or built on a slab. Mention a separate flood policy if you have one, without assuming either contract covers the other. The call is about your paper and the damage you can point at. Call the number on this page.