{"id":3791,"date":"2022-09-08T07:46:50","date_gmt":"2022-09-08T14:46:50","guid":{"rendered":"https:\/\/www.usagencies.com\/blog\/?p=3791"},"modified":"2022-12-20T10:55:58","modified_gmt":"2022-12-20T18:55:58","slug":"will-my-landlord-cover-wind-damage-in-louisiana","status":"publish","type":"post","link":"https:\/\/www.usagencies.com\/blog\/renters-insurance\/will-my-landlord-cover-wind-damage-in-louisiana\/","title":{"rendered":"Why Isn\u2019t My Landlord Responsible for Wind Damage in Louisiana?\u00a0"},"content":{"rendered":"\n

One of the best things about renting your home is that your landlord must fix things that get damaged. However, some who live in Louisiana have found out the hard way that landlords don\u2019t always fix everything<\/em>, especially personal property. That\u2019s one reason why you should buy cheap renter\u2019s insurance<\/a>. <\/p>\n\n\n\n

Louisiana is a state constantly facing hurricanes and storms each year. This causes plenty of wind damage to dwellings across the state. Some renters discover after the fact that their landlords aren\u2019t responsible for wind damage to personal possessions. <\/p>\n\n\n\n

What steps can you take to protect yourself and your property, and what should you do if you face damage from wind?  <\/p>\n\n\n\n

Is My Louisiana Landlord Responsible for Wind Damage? <\/h2>\n\n\n\n

Most of the time, Louisiana landlords are obligated to repair wind damage because they must keep their rental units in livable condition under Louisiana Civil Code article 2691. However, your landlord will not be responsible for repairs if your lease specifies that renters must handle these repairs. <\/p>\n\n\n\n

This is one of those cases where it\u2019s important for you to check the fine print on your lease<\/a>. Chances are that your landlord is<\/em> responsible for wind damage, but it\u2019s best to go ahead and check on that to make sure that is the case. Otherwise, you may not realize you are responsible for the wind damage until after a hurricane has passed through your area. <\/p>\n\n\n\n

Wouldn\u2019t My Landlord\u2019s Home Insurance Cover This? <\/h2>\n\n\n\n

Most home insurance policies will not cover a landlord\u2019s rental units. Your landlord\u2019s home insurance may cover his home for wind damage, but he or she will need a business insurance policy to cover any rental properties they own. <\/p>\n\n\n\n

Will a Landlord\u2019s Rental Property Insurance Cover Wind Damage? <\/h2>\n\n\n\n

Normally, a landlord\u2019s rental property insurance will cover things like wind and storm damage to the dwelling. If the rental property is located in a coastal area, the insurance may need to specify wind damage protection.  <\/p>\n\n\n\n

It\u2019s best to ask your landlord about this before signing a lease. If the landlord screens tenants<\/a>, this will give you the perfect opportunity to ask. <\/p>\n\n\n

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\"wind<\/figure><\/div>\n\n\n

Does the Landlord Have to Pay For My Stuff That Was Damaged in a Wind Storm? <\/h2>\n\n\n\n

As a renter, you do not have protection against your belongings being messed up due to wind damage \u2013 say if the roof blows off your home and your stuff gets destroyed \u2013 unless you have renters insurance. Typically, landlords are not responsible for a tenant\u2019s personal property.  <\/p>\n\n\n\n

There are many good reasons to buy affordable renters insurance<\/a> in Louisiana and this is one of them. Most renters insurance policies in Louisiana cover damage caused by wind, hail, lightning and rainfall. <\/p>\n\n\n\n

Enhanced Protection Against Eviction After a Major Storm <\/h2>\n\n\n\n

A recent Louisiana law offers you enhanced protections against your landlord in the face of very catastrophic storm damage. <\/p>\n\n\n\n

Following Hurricane Ida, many landlords tried to claim that their renters had \u201cabandoned\u201d their properties. In reality, many of these renters were trying to find somewhere safe to stay, but unscrupulous landlords knew it would be easier to claim their renters had abandoned their homes so the landlords could evict these tenants without going to court. <\/p>\n\n\n\n

Now, a new law<\/a> has clarified that if your district has received a federal disaster declaration, you can evacuate for up to 30 days without being considered as \u201cabandoning\u201d your home. If your landlord still tries to evict, you no longer have to pay for security bonds or court costs. Plus, if your landlord attempts to evict you under these circumstances, they will have to pay you either $500 or double your rent, whichever amount is greater. <\/p>\n\n\n\n

This may be an indicator that renters in Louisiana will get more legal protections in the coming years to defend them against manipulative landlords. Right now, however, the state is considered friendly to landlords, so make sure you have a clear understanding of your rights as a tenant. <\/p>\n\n\n\n

Get the Most Affordable Renter\u2019s Insurance Today! <\/h2>\n\n\n\n

Now you know why your landlord probably isn\u2019t responsible for wind damage to your personal property in Louisiana, but do you know where you can find the renter\u2019s insurance you may need for protection? <\/p>\n\n\n\n

Here at USAgencies, we offer the renter\u2019s insurance you need at the price you deserve. If you\u2019re ready to get renters insurance today, come request a renters insurance quote online<\/a>. Or you can come to visit us at the nearest office<\/a>. Finally, don\u2019t be afraid to pick up the phone and call us at 800-420-3712<\/a>. <\/p>\n\n\n\n

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One of the best things about renting your home is that your landlord must fix things that get damaged. However, some who live in Louisiana have found out the hard way that landlords don\u2019t always fix everything, especially personal property. That\u2019s one reason why you should buy cheap renter\u2019s insurance.  Louisiana is a state constantly […]<\/p>\n","protected":false},"author":19,"featured_media":3793,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[54],"tags":[],"class_list":["post-3791","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-renters-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/posts\/3791"}],"collection":[{"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/users\/19"}],"replies":[{"embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/comments?post=3791"}],"version-history":[{"count":2,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/posts\/3791\/revisions"}],"predecessor-version":[{"id":3842,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/posts\/3791\/revisions\/3842"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/media\/3793"}],"wp:attachment":[{"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/media?parent=3791"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/categories?post=3791"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.usagencies.com\/blog\/wp-json\/wp\/v2\/tags?post=3791"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}