Shreveport Summer Storms: What You Need to Know About Home Insurance

Here in Louisiana, we all know the familiar refrain in the song “When the Saints Come Marching In”. From Shreveport and Bossier City to Baton Rouge, how we all want to be in that number, right? What about when the Shreveport summer storms come blowing in?

We don’t necessarily want to be in that number of those filing insurance claims with their insurance carrier.

Carriers in the insurance industry don’t necessarily want that to happen either.

However, Shreveport and Bossier City, Louisiana, is a city that experiences its fair share of summer storms.

the National Weather Service (NWS) considers Shreveport and Bossier City, Louisiana, to be susceptible to bad storms.

In fact, the area of Northwest Louisiana is located in a region known as “Tornado Alley,” which makes it susceptible to severe weather events such as tornadoes, hail, and high, damaging winds.

It’s only a period of time until we see the next damaging storm pass through Northwest Louisiana.

These storms can cause significant damage to homes and businesses, and they can also impact your home insurance.

This is the type of situation that property and casualty insurance was made for.

If your home is damaged by a storm, you may be able to file a claim with your insurance company to get the repairs covered.

However, there are a few things you need to know about home insurance and summer storms in Shreveport (before the storms come blowing in).

What is Covered by Home Insurance?

Most home insurance policies cover damage caused by storms, including tornadoes, hail, and high winds. However, there are some exclusions, so it is important to read your policy carefully to understand what is and is not covered.

For example, some policies may not cover damage caused by flooding or water damage. If you live in an area that is prone to flooding, you may want to consider purchasing a flood insurance policy.

How Much Does Home Insurance Cost?

The cost of home insurance varies depending on a number of factors, including the value of your home, your location, and your risk factors. In general, however, home insurance is relatively affordable.

How Can You Protect Your Home From Storm Damage?

There are a number of things you can do to protect your home from storm damage, including:

Trim trees and shrubs away from your home.
Install storm shutters or impact-resistant windows.
Secure loose items around your home, such as patio furniture and garbage cans.
Have a professional inspect your roof and gutters for damage.

By taking these steps, you can help to reduce the risk of storm damage to your home.

What Should You Do if Your Home is Damaged by a Storm?

If your home is damaged by a storm, the first thing you should do is contact your insurance company. They will be able to help you file a claim and get the repairs covered.

In the meantime, you should take steps to protect your home from further damage. This may include boarding up windows, removing debris, and hiring a professional to make repairs.

By following these tips, property owners like you can help to protect your home from storm damage and get the repairs covered by your insurance company.

Here are Some Additional Tips for Protecting Your Home from Summer Storms

Have a plan in place for what you will do if a storm warning is issued. This may include going to a safe location, such as an interior room without windows, or taking shelter in a basement or storm cellar.
Stay informed about the weather forecast and be aware of the signs of a severe storm, such as dark, low-hanging clouds, heavy rain, and strong winds.
If you see a tornado, take shelter immediately in an interior room without windows or in a basement or storm cellar.
Do not drive through flooded areas.
Be aware of the dangers of downed power lines.

By following these tips, you can help to keep yourself and your home safe during summer months.

Some Additional Information About How Summer Storms Can Impact Your Home Insurance

The amount of your insurance deductible will affect how much you pay out-of-pocket for storm damage repairs.
If you have a history of filing claims for storm damage, your insurance company may increase your premiums.
If your home is damaged by a storm, you may be eligible for federal disaster assistance.

By understanding how summer storms can impact your home insurance, you can make sure that you are prepared for the unexpected.

Be Prepared

We wouldn’t think ourselves a good neighbor unless we provided some other practical tips in light of storms you can expect to see.

Here are some tips for staying safe during severe weather in Shreveport and Bossier City:

Have a plan in place for what you will do if a storm warning is issued. This may include going to a safe location, such as an interior room without windows, or taking shelter in a basement or storm cellar.
Stay informed about the weather forecast and be aware of the signs of a severe storm, such as dark, low-hanging clouds, heavy rain, and strong winds.
If you see a tornado, take shelter immediately in an interior room without windows or in a basement or storm cellar.
Do not drive through flooded areas.
Be aware of the dangers of downed power lines.

By following these tips, you can help to keep yourself and your family safe during severe weather.

Your Local Agent

Watley Insurance Group is a Shreveport-based insurance agency that has been serving the Ark-La-Tex area for over 20 years. We know the area inside and out, and we understand the unique insurance needs of our community. Watley looks to help clients by:

offering a wide range of insurance products, including home, auto, life, and business insurance.
working with a variety of insurance companies to find the best coverage for our clients at the best price.
committing to providing our clients with the highest level of service.
working with you to understand your needs and find the right insurance policy for you.
helping you with any claims that you may have.

We are proud to be a part of the Shreveport community, and we are committed to serving our clients with the best possible service.

If you are looking for insurance, we encourage you to contact Watley Insurance Group. We would be happy to answer any questions you have and help you find the right insurance policy for your needs.

Reasons to Choose Watley

Here are some of the reasons why you should choose Watley Insurance Group for your insurance needs:

We are local and know the area.
We have a team of experienced and knowledgeable agents who love their insurance career.
We offer a wide range of insurance products across a large insurance industry.
We work with a variety of insurance companies to find the best coverage for you (as independent insurance agents, we can do that).
We are committed to providing our clients with the highest level of service.

So whether you are in Caddo or Bossier Parish, we would be honored to be your insurance agent.

You may even consider us your certified insurance counselor.

Contact us today to learn more about how we can help you protect your home, auto, life, and business during the summer months and beyond.

Get Your Home Covered Before the Storms!