As winter settles in, Louisiana residents face unique challenges when it comes to insurance claims. January brings colder temperatures, potential storms, and other factors that can lead to an increase in claims. At Page Insurance, we want to help you understand the most common claims we see this time of year and offer tips on how to prepare and prevent them.

1. Auto Accidents Due to Slippery Roads

While snow and ice are rare in Louisiana, freezing rain or colder-than-usual temperatures can cause slick roads. Accidents are more likely when drivers aren’t prepared for these conditions.

How to Prepare:

1. Slow down and allow extra time to reach your destination.
2. Make sure your tires are in good condition and your vehicle is ready for winter driving.
3. Keep an emergency kit in your car with items like blankets, water, and a flashlight.

2. Home Damage from Storms and Flooding

Louisiana’s storm season may seem far off, but even in January, cold fronts and heavy rains can lead to flooding or wind damage.

How to Prepare:

1. Check your roof for any damage and repair leaks before they worsen.
2. Ensure gutters are clear to prevent water buildup.
3. Consider flood insurance if your area is prone to flooding (it’s not included in standard homeowners insurance).

3. Fires from Space Heaters

As temperatures drop, space heaters are often used to keep homes warm. Unfortunately, space heaters can be a fire hazard if not used properly.

How to Prepare:

1. Never leave space heaters unattended, and always turn them off before leaving a room or going to bed.
2. Keep heaters away from flammable objects like curtains, blankets, and furniture.
3. Check electrical cords for fraying or damage.

4. Theft During Holiday Shopping

The holiday season doesn’t end in December for everyone. In January, many people are still shopping and taking advantage of post-holiday sales. Unfortunately, this can lead to an uptick in thefts or break-ins.

How to Prepare:

1. Secure your home with proper lighting and alarm systems.
2. Be mindful of leaving packages visible in your car or on your porch.
3. Consider renters or homeowners insurance to protect your belongings.

 

At Page Insurance, we want you to feel confident that you’re protected, no matter what January brings. Whether it’s updating your home, auto, or renters insurance, we’re here to help ensure you have the coverage you need for the unexpected. If you have questions or need assistance reviewing your policies, contact us today!