Hurricane Laura made landfall near Lake Charles on August 27, 2020, as a Category 4 hurricane with 150 mph winds. It was one of the strongest storms to ever hit Louisiana — and it changed everything for Southwest Louisiana homeowners. In the chaotic aftermath, thousands of families made critical mistakes during the restoration process that cost them thousands of dollars, extended their displacement, and left long-term damage unresolved.
With hurricane season an annual reality for Lake Charles, learning from Laura's aftermath isn't just historical — it's essential preparation. Here are the five biggest mistakes homeowners made, and how to avoid them next time.
Mistake #1: Hiring the First Contractor Who Knocked on the Door
Within days of Laura, Lake Charles was flooded with out-of-state contractors — storm chasers — going door to door offering cheap, fast repairs. Many homeowners, desperate to start rebuilding, hired these contractors without verifying licenses, insurance, or references.
The result? Thousands of Lake Charles homeowners were left with substandard work, abandoned projects, and contractors who collected deposits and disappeared. Some homeowners paid twice — once to the storm chaser and again to a legitimate contractor to redo the work.
How to avoid this: Never hire a contractor who solicits you door-to-door after a storm. Verify Louisiana licensing, insurance, and local references. Or call RapidShield at (337) 717-1783 — we only connect you with vetted, licensed Lake Charles area contractors.
Mistake #2: Cleaning Up Before Documenting Damage
The instinct after a hurricane is to start cleaning immediately. But many Laura homeowners moved debris, removed damaged materials, and began cleanup before thoroughly documenting the damage. This created major problems with insurance claims.
Insurance adjusters need to see the original damage to approve claims. Without comprehensive photos, videos, and written inventories taken before cleanup begins, many homeowners had claims reduced or denied entirely.
How to avoid this: Before touching anything, photograph and video every room, every damaged item, and every affected surface. Create a written inventory. Date-stamp everything. Only begin cleanup after you've documented thoroughly.
Mistake #3: Waiting Too Long to Address Mold
In Lake Charles's Gulf Coast humidity — 75%+ year-round — mold begins growing within 24 hours of water exposure. After Laura, many homeowners focused on structural repairs and delayed addressing water-damaged areas. By the time they got to mold remediation, small problems had become major infestations.
Mold remediation that could have cost $2,000–$5,000 in the first week ballooned to $15,000–$30,000+ after months of unchecked growth. Health problems from mold exposure — respiratory issues, allergic reactions, headaches — compounded the financial damage.
How to avoid this: After any water intrusion — hurricane, flood, pipe burst — get professional drying and mold assessment within 24-48 hours. In Lake Charles's humidity, there is no safe window to 'wait and see.' Call (337) 717-1783 for immediate dispatch.
Mistake #4: Not Understanding the Difference Between Flood and Wind Insurance
Many Lake Charles homeowners discovered after Laura that their homeowner's insurance didn't cover all their damage. Standard homeowner's policies cover wind damage but typically exclude flood damage from rising water. Flood coverage requires a separate policy through NFIP or a private carrier.
When Laura caused both wind damage (destroying roofs) and flooding (storm surge and rain), homeowners without flood insurance were left covering flooding damage out of pocket — sometimes tens of thousands of dollars.
How to avoid this: Review your coverage before hurricane season. Ensure you have both wind coverage (homeowner's policy) and flood coverage (NFIP or private flood insurance). The restoration contractors in RapidShield's network can help navigate both types of claims.
Mistake #5: Meeting the Insurance Adjuster Without a Contractor Present
Insurance adjusters are trained to assess damage — but they work for the insurance company, not for you. Many Laura homeowners met with adjusters alone, without a restoration contractor present to point out hidden damage, explain the full scope of needed repairs, and advocate for the homeowner.
The result? Initial claim payouts that were significantly lower than actual restoration costs. Homeowners then had to supplement claims, dispute amounts, or pay out of pocket for the difference.
How to avoid this: Always have your restoration contractor present during the adjuster's inspection. They know what to look for, they speak the adjuster's language, and they'll ensure nothing is missed. RapidShield's partner contractors are experienced with Louisiana insurance claims.
How RapidShield Helps You Avoid All 5 Mistakes
RapidShield exists specifically to solve the chaos that follows a hurricane or property emergency. One call to (337) 717-1783 connects you with a vetted, Louisiana-licensed restoration contractor who has been through Laura, Delta, and every storm in between.
- •Every contractor is vetted — no storm chasers, no unlicensed operators
- •Your contractor arrives fast and helps document damage before cleanup begins
- •Professional drying and mold prevention starts immediately
- •Your contractor works directly with your insurance company and helps navigate claims
- •Your contractor is present for adjuster meetings to ensure full claim approval
Don't make the same mistakes Laura homeowners made. When the next storm hits Lake Charles — and it will — call RapidShield first: (337) 717-1783.