Expert Answers from IICRC-Certified Professionals
Xero DMG | Direct Insurance Billing | 504-702-1480
Call NowHurricane preparation for Louisiana homeowners: 1) Know your evacuation zone and route. 2) Document your property with photos/video for insurance before storm season. 3) Clear gutters and drainage. 4) Trim trees near structures. 5) Review your insurance policy — ensure you have both homeowner AND flood insurance. 6) Save Xero DMG's emergency number: 504-702-1480. 7) Have emergency supplies (water, food, medications, documents). 8) Know how to shut off water, gas, and electricity. Hurricane season runs June 1 through November 30.
Homeowner insurance in Louisiana covers wind damage from hurricanes (roof damage, broken windows, structural damage). However, flood damage from storm surge or rising water requires separate flood insurance through NFIP or private carriers. Many Louisiana homeowners discover too late that their standard policy doesn't cover flooding. Xero DMG works with both homeowner and flood insurance carriers and can help document which damage is wind-related vs flood-related for proper coverage.
Xero DMG begins mobilizing restoration teams as soon as it's safe to travel after a hurricane. We pre-position equipment and supplies before major storms hit Louisiana. For Category 1-2 hurricanes, we typically begin emergency response within 12-24 hours after the storm passes. For major hurricanes (Category 3+), response times depend on road access and safety conditions. Call 504-702-1480 — our emergency line operates 24/7 even during storms when possible.
Hurricanes cause multiple types of damage to Louisiana homes: 1) Wind damage — roof damage, broken windows, structural displacement. 2) Water intrusion — rain through damaged roofs and windows. 3) Storm surge flooding — rising water in coastal and low-lying areas. 4) Mold growth — starts within 24-48 hours in Louisiana's humidity after water exposure. 5) Debris damage — fallen trees, flying objects. Xero DMG provides comprehensive restoration for all hurricane damage types, from emergency board-up through complete rebuild.
For hurricane damage, you may need to file separate claims for wind damage (homeowner insurance) and flood damage (flood insurance) since they're different policies with different carriers. Document everything separately — photograph wind damage and flood lines. Xero DMG helps Louisiana homeowners navigate this complex process, providing separate Xactimate estimates for wind vs flood damage and coordinating with both insurance carriers simultaneously.
We handle the entire insurance process. Free assessments, direct billing, Xactimate estimates.
504-702-1480