Wind and hail damage tops the list of frequent homeowners insurance claims in Louisiana, followed by hurricane, non-flood water, fire, theft, and liability claims, with 2024 bad faith statute amendments adding structure for catastrophic losses. Flood claims require separate NFIP or private policies, excluded from standard homeowner coverage.
Source: chabertofbatonrouge. Original: https://chabertofbatonrouge.com/learning-center/top-homeowners-insurance-claims-louisiana
