Louisiana Insurance Commissioner Tim Temple is reminding residents that hurricane season requires preparation, even during a year with fewer forecasted storms.
Temple said weather experts expect fewer tropical systems because of current climate patterns. However, he stressed that a quieter season does not eliminate the risk of a major storm. He noted that storms forming in the Gulf can strengthen quickly, giving homeowners less time to prepare or purchase coverage.
Recent Tropical Storm Arthur highlighted that risk. Although the storm never reached hurricane strength, it produced widespread flooding, tornadoes, and damaging winds across several Louisiana parishes. Temple said the event proved that even weaker tropical systems can create costly disasters.
He also reminded homeowners that insurance companies stop issuing new policies once an active storm enters the Gulf. Residents should review their coverage before a storm threatens the state.
Temple addressed confusion about named storm deductibles. He explained that Louisiana homeowners have had these deductibles for more than 30 years. The deductible applies to damage caused by a named tropical storm or hurricane and remains in effect for 72 hours after the storm weakens below tropical storm status.
Flooding created another major concern during the recent storm. Temple said only about 5% of homes in Avoyelles Parish carried National Flood Insurance Program policies. Many homeowners without flood insurance may now rely on state or federal disaster assistance if aid becomes available.
Residents who suffered uninsured damage should report losses through Louisiana’s damage assessment website. Temple said those reports help state officials determine whether Louisiana qualifies for federal disaster assistance.
He also encouraged policyholders to contact the Louisiana Department of Insurance if they have questions about a denied claim or their coverage. Temple said the department handles thousands of consumer calls each year and works to ensure insurance companies follow state regulations.
His message remains simple: prepare early, understand your policy, and never wait until a storm is approaching to review your insurance coverage.