Lafayette Parish, LA
What floods houses here, and who pays.
Around here it is hurricanes, and a homeowners policy does not answer for that water.
(888) 217-5329 Talk to a contractor
Goes to an independent contractor. Nothing is booked until you say so. Calls may be recorded.
Lafayette Parish, by the numbers
19.5%of homes here sit in the mapped flood zone, and most of those did buy flood cover
46.9%of the homes inside that zone hold a separate flood policy. It starts 30 days after purchase
74°FJuly dew point. Opening a window here adds water to the house instead of removing it
1days a year at or below 20°F. Frozen pipes are not the local story; appliances are
The line people find out about too late
A homeowners policy answers for water that escapes suddenly inside the house: a pipe, a hose, a water heater, an overflow. It does not answer for water that rises from outside. That is flood, it is bought separately, and cover starts 30 days after purchase.
It also does not answer for a leak that has been weeping behind a wall for a year, and the mold that came with it is excluded on the same reasoning.
(888) 217-5329 Talk to a contractor
Goes to an independent contractor. Nothing is booked until you say so. Calls may be recorded.