Southwest Louisiana residents don't need anyone to blow a whistle to announce the arrival of hurricane season. We already got our reminder of the havoc weather can cause when heavy rains pelted our area causing widespread flooding. It was an early warning for all of us about the type of damage that a hurricane can cause.
The KPLC Storm Team always keeps us prepared for hurricane season. This year they're giving us an additional weather warning, and that is to pay close attention to your insurance coverage. Some insurance companies are increasing the hurricane deductible to as much as 5% of your home's insured value. If you own a $200,000 home, that means the first $10,000 worth of damage, you have to pay for yourself. Be sure to check to see if your deductible is increasing as it may not be obvious.
Also, if you don't already have it, consider flood insurance. Losses due to flooding are not covered under typical homeowners policies, and a few people found that out the hard way this past month.
Hope for the best, prepare for the worst. It's primetime hurricane season once again in our Better Southwest Louisiana.
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