Short answer: In Louisiana, hurricane wind and flood are the decisions that matter most. Homeowners policies don't cover flood, and wind usually carries a separate named storm or hurricane deductible. If no private insurer will write your home, Louisiana Citizens offers a FAIR Plan statewide and a Coastal Plan in designated coastal areas. Since July 1, 2026, insurers must give at least 60 days' notice of non-renewal, stating the reason, and must pay within 30 days after satisfactory proof of loss.
This guide is general information for Louisiana homeowners. It isn't legal advice. Your policy wording controls.
Step 1: Separate wind from water
Louisiana's coastal exposure means two separate questions:
- Wind. Usually covered, but subject to a named storm or hurricane deductible that can be a percentage of the dwelling limit. See hurricane deductibles explained.
- Flood and storm surge. Not covered by homeowners or Citizens policies. Buy flood insurance through the National Flood Insurance Program or a private insurer.
Step 2: Strengthen the roof
Louisiana runs a state grant program to help homeowners install a roof built to the FORTIFIED standard, and insurers file discounts for fortified roofs. Read the Louisiana Fortify Homes Program explained for eligibility and how the grant lottery works.
Step 3: If the private market says no, Louisiana Citizens
Louisiana Citizens Property Insurance Corporation operates a FAIR Plan for eligible property statewide and a Coastal Plan for designated coastal areas, under Louisiana Revised Statutes Title 22, including R.S. 22:2302. Coastal Plan property generally must meet building code wind standards under R.S. 22:2322. Citizens is designed not to undercut private insurers. Read Louisiana Citizens explained.
Step 4: The new 60-day non-renewal notice
Under La. R.S. 22:1335, as amended by Acts 2025 No. 182, an insurer must give notice at least 60 days before expiration, stating the reason, for non-renewals on or after July 1, 2026 (it was 30 days before). Details: Louisiana homeowners non-renewal rules.
Step 5: Claims
Louisiana insurers must accept or deny a claim and pay within 30 days after satisfactory proof of loss (see Louisiana insurance claim deadlines). If your claim is denied or underpaid, file a complaint with the Louisiana Department of Insurance. Louisiana's "no pay, no play" law can also affect injury claims after car crashes; see no pay, no play explained.
See our tables: non-renewal notice rules by state, insurance claim deadlines by state and home insurance claim and lawsuit deadlines by state.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See Louisiana insurance claim deadlines.
Frequently asked questions
Does Louisiana Citizens cover flood?
No. Citizens policies don't cover flood. Buy a separate flood policy.
What's the difference between the Citizens FAIR Plan and Coastal Plan?
The FAIR Plan covers eligible property statewide when the voluntary market won't. The Coastal Plan covers designated coastal areas, including wind, and generally requires the property to meet building code wind standards.
How much notice must a Louisiana insurer give before non-renewing?
At least 60 days before expiration, stating the reason, for non-renewals on or after July 1, 2026, under La. R.S. 22:1335.
How fast must a Louisiana insurer pay a home claim?
Within 30 days after satisfactory proof of loss.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.