Living in Mandeville, LA, means enjoying the beauty of Lake Pontchartrain and the charm of the Northshore. However, it also means facing the annual threat of hurricanes and the flooding they can bring. Hurricane season, which runs from June to November, poses significant risks to homes and businesses in Mandeville. Flood insurance is a critical tool for protecting your property and ensuring you can recover quickly after a storm. Chabert Insurance of the Northshore is here to help you understand the importance of flood insurance and how it can safeguard your future.
Why Hurricane Season Brings Flood Risks to Mandeville
Mandeville’s proximity to Lake Pontchartrain and its low-lying geography make it particularly vulnerable to flooding during hurricanes. Storm surges, heavy rainfall, and overflowing waterways can lead to widespread water damage. Even homes that are not in designated flood zones can experience flooding during severe storms. This unpredictability highlights the importance of having flood insurance, which provides coverage for damages caused by rising water.
While standard homeowners insurance policies cover wind damage, they typically exclude flood-related losses. Flood insurance is a separate policy designed to fill this gap, ensuring Mandeville residents are fully protected during hurricane season.
How Flood Insurance Works During Hurricanes
Flood insurance covers a wide range of damages caused by rising water, including:
- Structural Damage: Repairs to walls, floors, and foundations affected by floodwaters.
- Personal Belongings: Replacement of furniture, electronics, and other items damaged by flooding.
- Cleanup Costs: Expenses related to removing debris and drying out your property.
- Temporary Living Expenses: Assistance with housing costs if your home becomes uninhabitable.
Chabert Insurance of the Northshore offers flood insurance policies tailored to the unique needs of Mandeville residents, ensuring you’re covered when disaster strikes.
Steps to Prepare for Hurricane Season
In addition to securing flood insurance, there are several steps Mandeville residents can take to prepare for hurricane season:
- Create an Emergency Plan: Establish evacuation routes, communication plans, and a checklist of essential items.
- Stock Up on Supplies: Keep a hurricane kit with water, non-perishable food, flashlights, batteries, and first-aid supplies.
- Secure Your Property: Install storm shutters, reinforce doors, and elevate valuable items to reduce flood damage.
- Stay Informed: Monitor weather updates and follow guidance from local authorities during storms.
By combining these proactive measures with comprehensive flood insurance, you can minimize the impact of hurricanes on your home and family.
Why Mandeville Residents Need Flood Insurance
Many Mandeville homeowners assume they don’t need flood insurance if they’re not in a high-risk flood zone. However, FEMA reports that more than 20% of flood claims come from properties outside of these zones. Hurricanes can cause flooding in unexpected areas, making flood insurance a smart investment for all residents.
Chabert Insurance of the Northshore, located in Mandeville, LA, specializes in helping homeowners and businesses find the right flood insurance policy for their needs. With our expertise, you can feel confident that your property is protected during hurricane season.
Protect Your Home Before the Next Storm
Hurricane season is unpredictable, but your preparedness doesn’t have to be. Flood insurance provides peace of mind and financial security, allowing you to recover quickly after a storm. Chabert Insurance of the Northshore is proud to serve the Mandeville community, offering flood insurance policies that keep you covered when it matters most. Visit Chabert Insurance today to learn more about how we can help you prepare for hurricane season.
