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Louisiana houses split between pine hills that freeze once in a while and low ground where wind-driven rain and a high water table never really leave. A Shreveport ranch, a Baton Rouge slab under live oaks, and a bayou cottage on piers are not one repair with three town names. Name the part that failed and the direction the water came from.

North of Alexandria the problems look like hail, a hot attic, red dirt washed against a slab, and a pine limb on a porch. Monroe, Ruston, and Shreveport still see a hard freeze that splits a hose bib and a spring gust that bruises shingles. Termites are here, but the crawl can dry out for a few weeks. That is not the story south of the marshes, where the soil stays wet and the rain blows uphill under the roof.

Baton Rouge and Lafayette add heavy rain, tight clay, and live oaks that own the gutter and the sewer line. Raised houses along bayou roads rot at the sill while the porch looks fine. Metal roofs thunder and then leak at a fastener. Slab neighborhoods pond in the yard because the ditch is already full. The trade you need depends on whether the water fell through a ceiling or stood under the floor.

Wind-driven rain is the southern habit. It does not require a flood to wreck plaster. It lifts a shingle edge, blows through a shutter gap, and soaks a gallery ceiling while the floor stays dry. Formosan termites work the wet wood behind that paint, especially in the southern parishes. A soft sill and a stained ceiling can be two trades or one storm. You have to look.

Before you call, walk the pier skirt or the slab edge and one ceiling. Note metal or asphalt, a raised house or a slab, and whether the bad water came from the sky or from the ground. If the question is the policy, have the declarations page and separate wind damage from flood. Then pick the trade. Roof, window, bath, cooling, pests, pipe, yard, or the equipment you want on that roof. Pick the trade and call.