Severe Weather Resources
Consumers with questions about insurance coverage in the wake of a severe storm may contact the Louisiana Department of Insurance for help. The Department can offer assistance to policyholders who experienced property damage in filing a claim or filing a complaint, if that becomes necessary.
Storms are considered "Acts of God" or Acts of Nature," that are beyond human control. Common examples are severe storms, tornadoes, hurricanes and earthquakes. Your insurance company cannot cancel, refuse to renew or increase the amount of your homeowners insurance premium based solely on a loss caused by an Act of God.
If you believe your insurance company has not handled your claim properly, you may file a complaint with the Department of Insurance. The LDI will determine whether your insurance company has followed Louisiana law and abided by the terms of your policy in processing your claim.
Common Questions About Trees
The following questions and answers address the most common questions regarding trees posed over the years by consumers to the Louisiana Department of Insurance.
Question: A tree fell on my roof during high winds and caused extensive damage. Will my company pay for removing the tree as well as fixing my roof?
Answer: You should check the terms of your policy, but the company may pay for removal of the tree because it damaged your insured dwelling. The cost of repairing the damage to your home would be covered.
Question: The wind blew down one of my trees and it fell on my garage. My car was in the garage and was also damaged. Does my homeowners policy cover this damage?
Answer: Your homeowners policy will pay for the damage to the garage but not to your car. Your auto insurance policy will pay for the damage to your car if you have comprehensive coverage.