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��Disaster Risk Management

• .����Provides important insurance information to Louisiana citizens who have had to evacuate their homes due to a disaster.
• ����Provides advice on how to handle your insurance needs before, during and after a storm.
• . What to do and not do after your home has suffered storm damage.
• ��Actions consumers should take immediately following a storm that inflicts property damage.
• �� Homeowners in Louisiana may be eligible for a state tax deduction or insurance premium discount for voluntarily strengthening their homes against storms and hurricanes.
• Common questions and answers about the storm mitigation program and how to qualify for it and receive incentives.
• �� Brochure for consumers on the tax and premium breaks they are eligible for should they take steps to fortify their home against storms.

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�� Flood

• Information about purchasing a flood policy from the NFIP.�� Includes a video featuring Commissioner Donelon discussing the importance of having a flood policy.
• �� A step-by-step reference page for use after a flood.
• �� A one-page information sheet��for homeowners, renters, and automobile owners on actions to take right after a flood has damaged property.
• .�� Commonly asked questions (and answers) about flood insurance.
• .�� Information for consumers on what is typically covered in a flood policy and how to start a claim.

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Hurricane

• ���� Brochure on preparing for a hurricane, what to do after a hurricane hits, and an items to include on an emergency supply list. Also includes a map detailing storm categories/wind speeds.
• Tips on preparing for hurricane season, along with information on deductibles and flood insurance.
• .�� Tips on reviewing health insurance policies if injuries occur during a storm and readying prescriptions for potential evacuation.
• �� Preparedness tips for consumers ahead of hurricane season.

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��Regulation (in 2007)

• HB 558.����Insurers must provide a discount, credit, rate differential, adjustment in deductible, or other adjustment to reduce the insurance premium to insureds who comply with building codes or provide for damage mitigation.��
• ).�� Provides an exclusion from state sales and use tax for shutter devices. A storm shutter device is defined as materials and products manufactured, rated, and marketed specifically for the purpose of preventing window damage from storms.
• �� Provides a “construction code retrofitting deduction” against individual income tax equal to 50 percent of the cost paid or incurred on or after January 1, 2007, less any other state, municipal or federal-sponsored incentives, for voluntarily retrofitting an existing residential structure for which the taxpayer claims the homestead exemption.��

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These external agencies are mentioned on the Louisiana Department of Insurance  and provide further information on catastrophe planning and preparedness.

Federal

• (NFIP)
• (FEMA)
• Department of Homeland Security: