Skip to main content

Sponsored Content

Flood Recovery Tips to Get You Back on Your Feet

Aug 25, 2016 03:33AM ● Published by Flint Zerangue, Sr.

More than 40,000 homes flooded in the state of Louisiana after historic rainfall since Friday, Aug. 12, causing more than 20 parishes to declare federal disasters. Across the state, only 20 percent of homes have active flood insurance policies.

“Our top priority is the safety of Louisiana residents,” said Tony Robinson, regional administrator for Federal Emergency Management Agency (FEMA) Region 6. “We are working closely with the Louisiana governor’s office to respond and help residents recover from this devastating flood. We encourage those with flood insurance to file a claim. People with disaster damage and expenses not covered by insurance can register for Individual Assistance from FEMA. Apply online at disasterassistance.gov or call 800-621-FEMA.”

Communities, families and businesses can take action to recover quickly from flooding caused by severe storms, as well as prepare for the next one. FloodSmart, the marketing and education campaign of FEMA’s National Flood Insurance Program, encourages residents to protect their families, property and pets as floodwaters recede, providing these tips on what to do after a flood:

Following a Flood

  • Check for structural damage before re-entering your home. If you suspect damage to water, gas, electric or sewer lines, contact authorities.
  • Immediately remove wet carpeting, furniture and bedding. Take photos of the property before disposing of it and keep samples for the adjuster to see. For example, cut out a piece of wall-to-wall carpet. Find cleanup tips at emergency.cdc.gov/disasters/floods.
  • Keep your pet safe. Learn more at Ready.gov/animals.

Rebuilding After a Flood

  • Understand your flood insurance claim and policy, and call 800-621-3362 with any questions.
  • Get a repair permit from your local building official. A substantial damage determination is required for building repairs in the Special Flood Hazard Area. A building that is damaged beyond 50 percent of its market value is considered a substantially damaged building, which requires that all repairs meet local flood damage prevention ordinances. That determination is a factor in future premium rating for a flood insurance policy and is needed for Increased Cost of Compliance (ICC) claims.
  • Learn more about ICC, as you may be able to obtain up to an additional $30,000 toward elevating, relocating or demolishing your home to comply with local floodplain management requirements. Ask your adjustor about opening an ICC claim.
  • Ask about mitigation grants that may become available for elevating homes because of a flood. Ask your parish officials about applying to the state on your behalf for Hazard Mitigation Grant Program funding.

Filing An Insurance Claim

  • Know your insurance company's name, your policy number and a telephone number where you can be reached. Take photos of water in the house and anything that is damaged. List damaged or lost items. Refer to the Flood Insurance Claims Handbook to help navigate the claims process and appeal your claims decision, if necessary.
  • Review your Summary of Coverage, which helps you understand your flood insurance policy. It provides general information about deductibles, what is and is not covered by flood insurance and how items are valued at the time of loss.
  • Ask about federal disaster assistance, which might be available if the president declares a federal disaster. Aid typically comes in the form of a loan that you pay back with interest.

To learn more about filing a flood insurance claim and flood insurance, contact your insurance agent or find one using FloodSmart’s Agent Locator Tool. Flood damage is typically not covered by homeowners insurance, so it’s important to financially protect homeowners and business owners from flooding’s costly consequences.

Visit FloodSmart.gov to learn more about staying safe after a flood, and to find other helpful tips.

Sponsored by FEMA

Home, Acadiana Life, Family Family Features Family Features Lifestyle

It looks like we don't have any events for this date. You can always add an event.

  • VITA Tutor Training Workshops

    09/28/2017
    05:00PM — 07:30PM

    Do you want to help someone improve their reading and math skills, pass the HiSET test, or join t...


It looks like we don't have any events for this date. You can always add an event.

  • Birds in South Louisiana

    09/30/2017
    10:00AM — 11:00AM

    Join in this free fall seminar on birds in South Louisiana, how you can attract them, how you can...


  • Dat Dog Grand Opening

    09/30/2017
    11:00AM

    Dat Dog restaurant will be celebrating its grand opening on Saturday, September 30, 2017 at 201 J...


  • Dat Dog Grand Opening

    09/30/2017
    11:00AM

    The new Lafayette restaurant is the first location for Dat Dog outside of the New Orleans area. D...


It looks like we don't have any events for this date. You can always add an event.

  • Citizenship Class

    10/02/2017
    01:30PM — 05:30PM

    VITA will be offering another round of our free classes called “Preparing for the Citizenship Tes...


  • Scotch Doubles (10)

    10/02/2017
    06:00PM

    Join us every other Monday for our Scotch Doubles tournament. Registration starts at 6p, tourname...


  • Flex your creative writing muscles at the museum’s first literature workshop hosted by Cheylon Wo...


  • Ladies Night Karaoke

    09/27/2017
    09:00PM — 02:00AM

    Double whammy! Not only is Karaoke back every Wednesday, but so is Ladies Night! Ladies, come in ...


  • VITA Tutor Training Workshops

    09/28/2017
    05:00PM — 07:30PM

    Do you want to help someone improve their reading and math skills, pass the HiSET test, or join t...


  • Birds in South Louisiana

    09/30/2017
    10:00AM — 11:00AM

    Join in this free fall seminar on birds in South Louisiana, how you can attract them, how you can...


  • Dat Dog Grand Opening

    09/30/2017
    11:00AM

    Dat Dog restaurant will be celebrating its grand opening on Saturday, September 30, 2017 at 201 J...


  • Dat Dog Grand Opening

    09/30/2017
    11:00AM

    The new Lafayette restaurant is the first location for Dat Dog outside of the New Orleans area. D...


  • Citizenship Class

    10/02/2017
    01:30PM — 05:30PM

    VITA will be offering another round of our free classes called “Preparing for the Citizenship Tes...


  • Scotch Doubles (10)

    10/02/2017
    06:00PM

    Join us every other Monday for our Scotch Doubles tournament. Registration starts at 6p, tourname...


  • Parents and their children will enjoy story time, songs with finger play, participate in a hands-...


  • Toddler Time

    10/04/2017
    10:00AM — 11:00AM

    Parents and their children will enjoy story time, songs with finger play, participate in a hands-...


  • The Center for Louisiana Studies will host a film night featuring documentaries from the Archive ...


  • Ladies Night Karaoke

    10/04/2017
    09:00PM — 02:00AM

    Double whammy! Not only is Karaoke back every Wednesday, but so is Ladies Night! Ladies, come in ...


  • Night Of The Singing Dead

    10/04/2017
    09:00PM — 02:00AM

    Our favorite time of year is approaching and we can't wait to get it started! Join us in kicking ...


  • VITA Tutor Training Workshops

    10/05/2017
    05:00PM — 07:30PM

    Do you want to help someone improve their reading and math skills, pass the HiSET test, or join t...


  • Freddie Pate in Concert

    10/06/2017
    07:00PM — 10:00PM

    FREDDIE PATE and his eight-member band will bring 90 minutes of non-stop music, with a blend of s...


  • Shadows-on-the-Teche Arts & Crafts Fair

    10/07/2017
    09:00AM — 04:00PM

    Twice a year, the Shadows hosts more than 100 vendors selling their hand-crafted items. From the...


  • Play Day: Music and Movement

    10/07/2017
    10:00AM — 02:00PM

    Come play with Polly and Lou as we explore Music and Movement through hands on art activities and...


  • Organic Gardening & Soils

    10/07/2017
    10:00AM — 11:00AM

    Join in this free fall seminar on organic gardening, soils, products, best practices and more! ...


  • Citizenship Class

    10/09/2017
    01:30PM — 05:30PM

    VITA will be offering another round of our free classes called “Preparing for the Citizenship Tes...


  • Anya Burgess and Chris Segura will lead a special tour of Crafting the South Louisiana Sound that...


  • The First World War

    10/11/2017
    06:00PM — 07:00PM

    To commemorate the 100th anniversary of the U.S. entry into World War I, the Jeanerette Museum is...


  • Ladies Night Karaoke

    10/11/2017
    09:00PM — 02:00AM

    Double whammy! Not only is Karaoke back every Wednesday, but so is Ladies Night! Ladies, come in ...


  • 2017 Footprints Forever 5k Walk/Run

    10/14/2017
    08:00AM — 11:00AM

    Maddie’s Footprints is gearing up for our Eighth Annual Footprints Forever 5K Fun Run/Walk! Footp...


  • Fruit Trees

    10/14/2017
    10:00AM — 11:00AM

    Join in this free fall seminar on fruit trees! Learn about those with high to low maintenance, ho...


  • Yoga en Français dans les galleries

    10/14/2017
    11:00AM — 12:00PM

    Join us for a special edition yoga en français at the Hilliard Museum during Festival weekend! Pl...


  • We take this opportunity in extending a warm and cordial welcome to you to be a part of the 12th ...


  • Citizenship Class

    10/16/2017
    01:30PM — 05:30PM

    VITA will be offering another round of our free classes called “Preparing for the Citizenship Tes...


  • Scotch Doubles (10)

    10/16/2017
    06:00PM

    Join us every other Monday for our Scotch Doubles tournament. Registration starts at 6p, tourname...


 

 

Current Issue