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Chabert Insurance: The Ehrhardt Agency Blog

Preparing for Hurricane Season in Mandeville: How Flood Insurance Protects You

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Living in Mandeville, LA, means enjoying the beauty of Lake Pontchartrain and the charm of the Northshore. However, it also means facing the annual threat of hurricanes and the flooding they can bring. Hurricane season, which runs from June to November, poses significant risks to homes and businesses in Mandeville. Flood insurance is a critical tool for protecting your property and ensuring you can recover quickly after a storm. Chabert Insurance of the Northshore is here to help you understand the importance of flood insurance and how it can safeguard your future.

Why Hurricane Season Brings Flood Risks to Mandeville

Mandeville’s proximity to Lake Pontchartrain and its low-lying geography make it particularly vulnerable to flooding during hurricanes. Storm surges, heavy rainfall, and overflowing waterways can lead to widespread water damage. Even homes that are not in designated flood zones can experience flooding during severe storms. This unpredictability highlights the importance of having flood insurance, which provides coverage for damages caused by rising water.

While standard homeowners insurance policies cover wind damage, they typically exclude flood-related losses. Flood insurance is a separate policy designed to fill this gap, ensuring Mandeville residents are fully protected during hurricane season.

How Flood Insurance Works During Hurricanes

Flood insurance covers a wide range of damages caused by rising water, including:

  • Structural Damage: Repairs to walls, floors, and foundations affected by floodwaters.
  • Personal Belongings: Replacement of furniture, electronics, and other items damaged by flooding.
  • Cleanup Costs: Expenses related to removing debris and drying out your property.
  • Temporary Living Expenses: Assistance with housing costs if your home becomes uninhabitable.

Chabert Insurance of the Northshore offers flood insurance policies tailored to the unique needs of Mandeville residents, ensuring you’re covered when disaster strikes.

Steps to Prepare for Hurricane Season

In addition to securing flood insurance, there are several steps Mandeville residents can take to prepare for hurricane season:

  • Create an Emergency Plan: Establish evacuation routes, communication plans, and a checklist of essential items.
  • Stock Up on Supplies: Keep a hurricane kit with water, non-perishable food, flashlights, batteries, and first-aid supplies.
  • Secure Your Property: Install storm shutters, reinforce doors, and elevate valuable items to reduce flood damage.
  • Stay Informed: Monitor weather updates and follow guidance from local authorities during storms.

By combining these proactive measures with comprehensive flood insurance, you can minimize the impact of hurricanes on your home and family.

Why Mandeville Residents Need Flood Insurance

Many Mandeville homeowners assume they don’t need flood insurance if they’re not in a high-risk flood zone. However, FEMA reports that more than 20% of flood claims come from properties outside of these zones. Hurricanes can cause flooding in unexpected areas, making flood insurance a smart investment for all residents.

Chabert Insurance of the Northshore, located in Mandeville, LA, specializes in helping homeowners and businesses find the right flood insurance policy for their needs. With our expertise, you can feel confident that your property is protected during hurricane season.

Protect Your Home Before the Next Storm

Hurricane season is unpredictable, but your preparedness doesn’t have to be. Flood insurance provides peace of mind and financial security, allowing you to recover quickly after a storm. Chabert Insurance of the Northshore is proud to serve the Mandeville community, offering flood insurance policies that keep you covered when it matters most. Visit Chabert Insurance today to learn more about how we can help you prepare for hurricane season.

Discover the Importance of Insurance for Mandeville’s Waterfront Properties

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Living on the waterfront in Mandeville, LA, offers stunning views and easy access to the water. However, it also presents unique risks, such as flooding and storm damage. Home insurance from Chabert Insurance of the Northshore can provide the financial protection you need to enjoy your waterfront lifestyle with peace of mind.

Waterfront Living: A Dream and a Responsibility

While waterfront living is a dream come true for many, it also comes with added responsibilities. Waterfront homes in Mandeville are often more susceptible to damage from storms, flooding, and even corrosion from the salty air.

Home Insurance: Your Financial Safety Net

Home insurance policies from Chabert Insurance of the Northshore provide coverage for a variety of risks associated with waterfront living. This includes coverage for structural repairs, replacement of damaged belongings, and even temporary living expenses if your home is uninhabitable due to damage.

Maximizing Your Waterfront Living Experience

With the right home insurance, you can enjoy your waterfront lifestyle without worrying about the financial impact of unexpected damage. Here are a few tips to maximize your waterfront living experience:

  • Regularly inspect your home for signs of corrosion or water damage
  • Install storm shutters on your windows
  • Ensure your home’s drainage system is functioning properly

Enjoy Your Waterfront Home with Confidence

Don’t let the risk of unexpected damage dampen your enjoyment of waterfront living. With the right home insurance, you can relax and enjoy your beautiful Mandeville home with confidence. Contact Chabert Insurance of the Northshore today to explore your home insurance options.

Boat Insurance Claims in Mandeville: What to Do After an On-Water Incident

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Boating in Mandeville is a popular pastime, but what happens when an on-water incident occurs? Understanding how to handle a boat insurance claim can help you navigate these choppy waters with confidence. Let’s explore the steps you should take following an incident.

Immediate Steps After an Incident

At Chabert Insurance of the Northshore, we understand the stress that comes with an on-water incident. Your first priority should be the safety of all passengers. Once everyone is safe, document the incident as thoroughly as possible. This includes taking photos of the damage and noting the details of the incident.

Filing a Boat Insurance Claim

Once you’ve documented the incident, it’s time to file a claim with your insurance company. Provide them with all the information you’ve gathered, including photos and a detailed account of the incident. It’s also a good idea to keep a record of any communication with your insurance company.

Understanding the Claims Process

After you’ve filed your claim, your insurance company will review the information and determine the extent of your coverage. This process can take some time, so it’s important to be patient. If your claim is approved, your insurance company will provide compensation for repairs or replacement, depending on your policy.

How Chabert Insurance of the Northshore Can Help

At Chabert Insurance of the Northshore, we’re committed to helping Mandeville boaters navigate their insurance needs. We can guide you through the claims process, ensuring you understand your coverage and what to expect.

Umbrella Insurance: Essential for Louisiana’s Outdoor Event Organizers

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Outdoor events are a staple of Louisiana’s vibrant culture, from music festivals to food fairs. As an event organizer in Mandeville, LA, you know that while these events are exciting, they also come with a fair share of risks. This is where umbrella insurance comes into play. Let’s explore this crucial coverage with Chabert Insurance of the Northshore.

Why Outdoor Event Organizers Need Umbrella Insurance

Organizing outdoor events involves many variables, from weather conditions to the safety of attendees. Despite careful planning, unforeseen incidents can occur, leading to potential liability claims that exceed the limits of your standard liability insurance. Umbrella insurance provides an additional layer of protection, covering these excess liability costs.

Umbrella Insurance: Beyond the Basics

Umbrella insurance extends your liability coverage beyond the limits of your standard policies. It can cover claims related to bodily injuries, property damage, and certain lawsuits. For outdoor event organizers, this can include incidents like a stage collapse, food poisoning, or injuries from crowd incidents.

Securing Your Events with Chabert Insurance of the Northshore

At Chabert Insurance of the Northshore, we understand the unique risks that outdoor event organizers face in Louisiana. We offer tailored umbrella insurance solutions to provide the additional coverage you need to protect your events and your business.

Don’t let unforeseen incidents cast a shadow over your outdoor events. Contact Chabert Insurance of the Northshore today to learn more about our umbrella insurance options in Mandeville, LA.

How Auto Insurance Covers Vehicle Theft in Mandeville

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Vehicle theft is a risk that every car owner faces, no matter where they live. If your car is stolen, the loss can be significant. This is where auto insurance from Chabert Insurance of the Northshore comes into play.

Understanding Theft Coverage

Theft coverage is a part of auto insurance that covers the cost of replacing your car if it’s stolen. This is typically included in comprehensive coverage, which covers damages to your car from events other than collisions.

Why You Need Theft Coverage

Without adequate theft coverage, you could be left to cover the cost of replacing your stolen car out of pocket. This coverage ensures that you’re financially protected in the event of vehicle theft.

How Chabert Insurance of the Northshore Can Help

At Chabert Insurance of the Northshore in Mandeville, LA, we understand the financial burden that vehicle theft can place on you. We can help you understand the importance of theft coverage and ensure it’s included in your auto insurance policy.

Secure Your Vehicle Today

Don’t let vehicle theft leave you in financial distress. Contact Chabert Insurance of the Northshore today to ensure your auto insurance includes theft coverage and you’re well-protected in Mandeville, LA.

Umbrella Insurance and Social Media: A Firewall Against Online Disasters

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In today’s digital age, social media has become an integral part of our daily lives. However, with this convenience comes potential risks. At Chabert Insurance of the Northshore, we understand these risks and offer umbrella insurance solutions to protect you and your family in Mandeville, LA.

Understanding the Risks of Social Media

While social media allows us to connect with others, it also opens the door to potential liabilities. From defamation and invasion of privacy to cyberbullying, the risks are real and can lead to costly legal battles.

How Umbrella Insurance Can Help

Umbrella insurance provides an extra layer of liability coverage above your standard home or auto insurance. This means it can help cover the legal costs associated with social media-related claims that exceed the limits of your standard policies.

What to Consider When Choosing Umbrella Insurance

When considering umbrella insurance for social media risks, it’s important to understand your exposure. Factors such as the number of social media platforms you use, the type of content you post, and your online behavior can all impact your risk level.

Securing Your Online Presence with Chabert Insurance of the Northshore

At Chabert Insurance of the Northshore, we’re committed to helping you navigate the complexities of umbrella insurance. Our team in Mandeville, LA is ready to help you understand your options and ensure you’re adequately protected against online risks. Contact us today to learn more.

Insuring Your Sailboat: What You Need to Know in Mandeville, LA

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Sailboats are a common sight on the waters around Mandeville, LA. If you’re a sailboat owner, it’s important to understand your insurance needs. Chabert Insurance of the Northshore is here to guide you through the process.

Why You Need Sailboat Insurance

Sailboat insurance provides coverage for damage to your boat, liability in case you’re at fault in an accident, and protection against theft or vandalism. It can also cover your personal belongings on the boat and expenses like towing or salvage costs.

Understanding Your Sailboat Insurance Coverage

Sailboat insurance typically includes comprehensive and collision coverage, liability coverage, and uninsured/underinsured boater coverage. You may also want to consider additional coverages like equipment coverage for your sails, rigging, and other equipment, and towing and assistance coverage.

Choosing the Right Sailboat Insurance Policy

Choosing the right sailboat insurance policy depends on several factors, including the value of your sailboat, how you use it, and your budget. Chabert Insurance can help you navigate your options and choose the policy that best fits your needs.

Get Your Sailboat Insurance Today

Don’t let the unexpected ruin your sailing adventures. Protect your sailboat with a tailored insurance policy from Chabert Insurance of the Northshore. Contact us today to learn more about our sailboat insurance options in Mandeville, LA.

What is the Role of a Public Adjuster in a Flood Insurance Claim in Mandeville, LA?

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Filing a flood insurance claim after a disaster can be a complex process. In Mandeville, LA, where floods are a common occurrence, understanding the role of a public adjuster in your flood insurance claim can be beneficial. At Chabert Insurance of the Northshore, we’re here to help you navigate this process.

The Role of a Public Adjuster

A public adjuster is a professional who can help you with your insurance claim. They work for you, not the insurance company, and their goal is to help you get the maximum payout on your claim. They can assess the damage, help you understand your policy, and negotiate with the insurance company on your behalf.

Why Hire a Public Adjuster?

Hiring a public adjuster can be particularly beneficial if you have a large claim, or if the damage is complex and difficult to assess. They have the expertise to accurately estimate the cost of repairs and can help ensure you’re not overlooking any eligible damage. They can also save you time and stress by handling the negotiations with the insurance company.

How to Find a Public Adjuster

When looking for a public adjuster, it’s important to do your research. Look for someone with experience in flood insurance claims, and check their references and credentials. It’s also a good idea to interview a few different adjusters to find one you feel comfortable with.

At Chabert Insurance of the Northshore in Mandeville, LA, we’re committed to helping you understand your flood insurance coverage and the claims process. Contact us today to learn more about how a public adjuster can help with your flood insurance claim.

Why Mortgage Lenders Require Home Insurance in Mandeville, LA

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Buying a home in Mandeville, LA is a significant investment, and it’s one that you’ll want to protect. That’s why most mortgage lenders require you to have home insurance. But why is this insurance so important to lenders, and what does it mean for you as a homeowner?

Protecting the Lender’s Investment

When you take out a mortgage, the lender has a financial interest in your property. If your home were to be damaged or destroyed, it could significantly reduce the value of the property and put the lender’s investment at risk. Home insurance provides a safety net that can cover the cost of repairs or rebuilding, protecting both you and the lender.

What Does Home Insurance Cover?

Home insurance typically covers damage to the structure of your home, your personal belongings, and liability for injuries or property damage you or your family cause to others. It can also cover living expenses if you have to temporarily move out of your home due to a covered loss.

How Does Chabert Insurance of the Northshore Help?

At Chabert Insurance of the Northshore, we understand the unique needs of homeowners in Mandeville, LA. We offer comprehensive home insurance policies that can be tailored to your specific needs, ensuring that your home is adequately protected.

Remember, home insurance is not just about satisfying your mortgage lender. It’s about protecting your investment and providing you with peace of mind. Contact Chabert Insurance of the Northshore today to learn more about our home insurance policies and how we can help protect your Mandeville, LA home.

Decoding Boat Insurance: What Every Boat Owner in Mandeville, LA Needs to Know

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As a boat owner in picturesque Mandeville, LA, understanding the nitty-gritty of boat insurance can be overwhelming. Here at Chabert Insurance of the Northshore, we’re committed to breaking down the walls of complexity and providing straightforward guidance on everything boat insurance-related.

Defining Louisiana Boat Insurance

Boat insurance is a type of insurance coverage designed to protect you and your boat against liability and damage in the unfortunate event of an accident. The coverage can apply to any motorized water vehicle, including fishing boats, paddle boats, leisure crafts, yachts, and more.

Knowing What’s Included in Your Boat Insurance Policy

Boat insurance policies typically cover collision damage, property damage, bodily injury, and comprehensive coverage for incidents out of your control, such as vandalism or theft. Many policies offer additional coverage options, such as coverage for medical payments, personal effects, uninsured watercraft, and more.

Appreciating the Importance of Boat Insurance in Mandeville, LA

The importance of boat insurance can’t be overstated, especially in Mandeville where boating is more than just a leisure activity; it’s a way of life. A good boat insurance policy can help protect you from potentially hefty financial losses, whether from a boating accident or property damage. It’s about peace of mind, knowing you’re protected while enjoying your time on the water.

Trusting Chabert Insurance for Your Boat Insurance Needs

Choosing the right boat insurance involves careful consideration of a range of factors, and that’s where we come in. At Chabert Insurance of the Northshore, we pride ourselves on delivering personalized service and bespoke boat insurance solutions to meet the unique needs of each Mandeville boater we serve.

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