Wind and hail damage is one of the most common — and most expensive — types of property damage in Louisiana. From hurricane-force winds to severe thunderstorm hail, Louisiana homeowners need proper protection.
Why Standard Homeowners Insurance May Not Be Enough
In many coastal and hurricane-prone areas of Louisiana, standard homeowners insurance policies exclude or limit wind damage coverage. This means you could be left without coverage when you need it most.
Areas Most Affected:
- Coastal parishes — St. Bernard, Plaquemines, Terrebonne, Lafourche
- Greater New Orleans — Orleans, Jefferson, St. Tammany
- Southwest Louisiana — Calcasieu, Cameron
- Southeast Louisiana — Tangipahoa, Washington, St. Helena
What Wind and Hail Insurance Covers
Wind and hail insurance typically covers:
- Roof damage from high winds and hail
- Siding and exterior damage
- Window and door damage
- Fence and outbuilding damage
- Debris removal
Wind and Hail Deductibles
Wind and hail deductibles in Louisiana are typically percentage-based:
- 1% to 5% of your home's insured value
- Example: A 2% deductible on a $250,000 home = $5,000 out of pocket
How to Reduce Wind and Hail Insurance Costs
- Fortify your roof — Install impact-resistant shingles
- Add hurricane shutters — Protect windows from flying debris
- Upgrade to impact-resistant windows — Reduce damage risk
- Get a wind mitigation inspection — Document protective features
- Bundle with your homeowners policy — Save with multi-policy discounts
Get Protected Today
Capella Insurance Agency specializes in wind and hail coverage for Louisiana homeowners. Our team will review your current coverage and ensure you're properly protected.
Call 504-271-4064 for a free wind and hail insurance review.