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HURRICANE & FLOOD INSURANCE


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Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.


Hurricane & Flood Insurance Information

Louisiana Hurricane & Flood Insurance

Serving Baton Rouge, New Orleans and surrounding areas since 1929


There's something you should know: Flood losses are not covered by your homeowners insurance policy.

Floodwaters have the power to damage not only your home and sense of security, but also your financial future. How can you protect your most important investment in case of flooding?

    Option 1: Hope that you'll receive Federal disaster relief if a flood hits.
    Many people wrongly believe that the U.S. government will take care of all their financial needs if they suffer damage due to flooding. The truth is that Federal disaster assistance is only available if the President formally declares a disaster. Even if you do get disaster assistance, it's often a loan you have to repay, with interest, in addition to your mortgage loan that you still owe on the damaged property.

    Most importantly, you must consider the fact that if your home is flooded and disaster assistance isn't offered, you'll have to shoulder the massive damage costs alone. The bottom line is that if you're looking for secure protection from financial loss due to flood damage, Federal disaster assistance is not the answer.

    Option 2: Buy flood insurance and stay protected no matter what.
    When disaster strikes, flood insurance policyholder claims are paid even if a disaster is not Federally declared. Flood insurance means you'll be reimbursed for all your covered losses. And unlike Federal aid, it never has to be repaid.

    In general, a policy does not take effect until 30 days after you purchase flood insurance. So, if the weather forecast announces a flood alert for your area and you go to purchase coverage, it's already too late. You will not be insured if you buy a policy a few days before a flood.

As an independent agency, we can help you find the right flood insurance coverage for your needs and budget. Let us be your trusted choice for insurance!

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McInnis Insurance Services, Inc.
7814 Office Park Blvd
Baton Rouge, LA 70809

Phone: 225.926.0860
Toll Free: 844.926.0860
Fax: 225.923.3418
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Please note that we cannot bind insurance via email, fax or phone. Any quotes given are subject to underwriting guidelines by the respective insurance carriers. Any reference of coverage used is not intended to express legal opinion as to the nature of coverage, but rather just a brief generalization of coverages. Please read your policy for specific details of coverages.
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