How to File an Insurance Claim in Louisiana
- Document damage: Take extensive photos and videos of the damage before moving or cleaning up anything.
- Contact your carrier: Use the carrier directory below to file your claim immediately and receive a claim number.
- File a police report: For auto accidents, theft, or vandalism, a police report is almost always required by carriers.
- Mitigate further damage: Make temporary, safe repairs (like tarping a roof or boarding a window) to prevent further loss.
- Keep receipts for emergency repairs: Save all receipts for materials or labor used in temporary repairs, as these may be reimbursable.
Hurricane & Named Storm Claims
In Louisiana, hurricane claims have specific regulations and deductibles. Most policies carry a separate "Named Storm" or "Hurricane" deductible, which is usually a percentage of your dwelling coverage (e.g., 2% to 5%) rather than a flat dollar amount. It is critical to file your storm damage claim as soon as safely possible, as adjusters are dispatched on a first-come, first-served basis during catastrophic events.
Carrier Claims Directory
Click "File Online" or call your insurance company's dedicated claims number below. Please have your policy number, incident details, photos, and police report (if applicable) ready.
| Carrier / Insurance Company | 24/7 Claims Phone | Online Claim Portal |
|---|---|---|
| Progressive Insurance | 1-800-274-4499 | File Online |
| Foremost Insurance Group | 1-800-527-3907 | File Online |
| National General Insurance | 1-800-468-3466 | File Online |
| Cajun Underwriters | 1-866-274-5677 | File Online |
| SafePoint Insurance | 1-855-252-4615 | File Online |
| Centauri Insurance | 1-866-318-4190 | File Online |
| Wright Flood (FEMA NFIP) | 1-800-725-9140 | File Online |
| Louisiana Citizens Property | 1-888-568-6688 | File Online |
| Bluefire Insurance | 1-866-424-9511 | File Online |
Frequently Asked Questions About Claims
For emergencies, after-hours claims, or severe damage, you should contact the carrier directly using their 24/7 hotline to get the claim process started immediately. You can then notify us during normal business hours so we can assist you.
It depends on the type of claim and fault. Generally, at-fault accidents or multiple claims in a short period can lead to a premium increase or non-renewal. Acts of nature (like hurricanes or hail) typically don't count against you individually, though area-wide rates may adjust.
While most policies require you to report a claim "promptly" or "as soon as practicable," Louisiana law generally gives you up to 180 days to file a standard claim, and sometimes longer for catastrophic events. However, filing immediately is always best for a smoother process.
Need Agency Assistance? Our advisors at The Premiere Metro Group are always here to help you document damage, understand your deductible, or follow up with your carrier adjuster. Call us at (504) 780-9980.