A: Standard homeowner and renter insurance policies do not cover flood damage. You need flood insurance to protect your home and belongings against flood damage. The federal government guarantees policies through the National Flood Insurance Program (NFIP), administered by the Federal Emergency Management Agency (FEMA).

A: Yes, if you have purchased comprehensive coverage.

A: Flood insurance is available to protect homes, condominiums, apartments and non-residential buildings, including commercial structures.

A: You will probably be able to purchase flood insurance as usual, even though your house was previously flooded. If your property is prone to flooding, check with your agent, your local government or your local Emergency Preparedness office to be sure your property is not involved in any kind of flood remediation program that would affect your property and the flood insurance on it.

A: Yes, you can buy federal flood insurance in any area approved by the National Flood Insurance Program, which includes virtually all of Louisiana. Just check to be sure no remediation plans are underway for your area before you buy.

A: Most people in Louisiana live in an area that may flood even if it isn’t in a designated flood zone. It’s a good idea to consider buying flood insurance wherever you live in Louisiana, and the coverage costs less on homes in areas that are not likely to flood.

A: You can buy flood protection at any time. However, it won’t pay for any flooding that occurs within the first 30 days after the policy goes into effect.

A: Yes, you can purchase flood insurance through your agent or other representative of an insurance company who writes flood insurance under special arrangement with the NFIP. If you need the name of an agent who writes flood insurance in your area, call the NFIP at 1-888-FLOOD29 (356-6329).
 

Call Grouphealthplans.com @ 1 888-456-1858 /504-456-1858
or

Links for more information about floods
http://www.louisianafloods.org
http://www.louisianahouse.org