Home insurance in New Orleans is your policy, your deductible, and a claim that separates wind-driven rain from water that rose at the floor. Have the declarations page. Read the dwelling limit and whether the wind deductible stands apart from the ordinary deductible. Do not describe the whole event as one kind of water.
Rain blown under shingles into a gallery ceiling may be a wind question on the homeowners policy. Water that entered because the street held and crossed the slab or the pier line may belong to a separate flood policy, or to neither page you wish it belonged to. A raised house can show both: stains running down from the ceiling and a line on the skirt. Photograph them apart. Ask what your policy names as a covered cause and what it sets aside.
Shotgun plaster, a camelback valley, and a Lakeview or Gentilly slab produce different pictures. A hole in a porch roof is blunt. A damp wall with no missing shingles is wind-driven rain until a look in the attic says otherwise. Long humidity and mildew with no opening in the building are not the same as rot that followed a covered leak. Earth or slab cracks from soil are another question. Read the exclusions instead of borrowing a neighbor claim.
Belongings, loss of use, and the dwelling are separate lines. A kitchen open to weather is not a rug at the slab edge. Keep ceiling photos, window photos, and floor photos in different groups so the story cannot blur. Note the neighborhood and whether the house is raised or on a slab. What someone in another part of the city filed does not write your deductible. Your page does.
Call with the page and the path. Gallery ceiling, meeting rail, ridge, or water at the floor. Ask how a claim is opened and which deductible applies to that cause. Say if you also hold a flood policy, without treating the two contracts as one. Name shotgun, camelback, raised center hall, or slab ranch. The call is about your paper and the water you can point to. Start with the sentence that says where it entered. Call the number on this page.