re: Louisiana home insurance question

The agent doesn't know what they're talking about or they suck at explaining it to you.

Any homeowner policy that doesn't specifically EXCLUDE wind/hail coverage will cover you from any wind damage whether its a tornado, hurricane, tropical storm, or any random thunderstorm.

The difference comes in your deductible which will depend on your insurance carrier. You may either have a wind/hail deductible, named storm deductible, or hurricane deductible. Which of those 3 you have will determine when the higher deductible comes into play. Although not every carrier requires the wind/named storm/hurricane deductible to be higher than your regular all other peril deductible

Wind/hail deductible on your policy means that deductible applies to all wind or hail damage.

Named storm deductible means that deductible only applies if we're put under a tropical storm or hurricane warning but any other wind/hail would fall to your "all other perils" or AOP deductible.

Hurricane deductible on your policy means it has to be a hurricane warning for the area for that deductible to apply. Any other wind damage would go to your AOP deductible.

You're covered for all of them, the deductibles just work differently