Dr. Nguyen never thought her Lafayette chiropractic office was at risk of flooding. Her clinic wasn’t near a river or a mapped floodplain. But after days of heavy rain, drainage backed up, and water seeped into her treatment rooms. The damage was extensive — ruined floors, waterlogged furniture, and costly equipment replacement. To her surprise, her standard property insurance didn’t cover the loss.
This scenario highlights why flood insurance matters for chiropractic offices across Louisiana — even those outside official FEMA flood zones.
Commercial property policies typically cover water damage from burst pipes or sprinkler leaks. But they do not cover flooding caused by heavy rain, rising water, storm surge, or drainage backup. That gap leaves many chiropractors vulnerable.
Many business owners assume that if their property isn’t in a FEMA flood zone, they’re safe. Unfortunately, that’s not true in Southern Louisiana.
Heavy rain can overwhelm drainage systems anywhere.
Hurricanes bring storm surge inland, far beyond mapped floodplains.
Urban flooding happens when streets and parking lots can’t absorb water.
In fact, FEMA estimates that over 20% of flood claims come from properties outside high-risk zones.
Chiropractic practices face specific challenges when flooding occurs:
Expensive equipment like adjustment tables and digital X-ray machines is vulnerable to water damage.
Moisture can ruin records, furnishings, and interior build-outs.
Extended closures may cost weeks of income while repairs are made.
Without flood insurance, these losses fall entirely on the practice owner.
Commercial flood insurance policies cover:
Building damage (walls, floors, fixtures)
Business equipment and furnishings
Some cleanup costs after a flood event
This coverage provides the financial resources needed to reopen quickly.
From Baton Rouge to New Orleans to Alexandria, flooding is a recurring challenge. Even if you’ve never seen water on your property before, one storm can change everything.
At Kastner Insurance, we help chiropractic offices across Lafayette, Youngsville, and Acadiana secure the flood coverage they need — tailored to their practice, not just their ZIP code.
Flooding doesn’t just threaten property — it threatens your ability to care for patients and keep your doors open. Even outside FEMA flood zones, the risk is real.
Contact Kastner Insurance today to discuss commercial flood insurance and protect your chiropractic office against Louisiana’s unpredictable weather.
Founded in 2017, Kastner Insurance Group is a full-service, independent insurance broker based in Lafayette, LA. Our insurance agents specialize in offering a variety of insurance products tailored to individual and commercial needs, making sure clients receive personalized and comprehensive coverage options from a variety of insurance companies/insurance carriers.
With over 43 years of combined experience, the team at Kastner Insurance Group is dedicated to providing expert advice and exceptional service. They proudly serve professional offices and businesses across Lafayette city/parish, Youngsville, Broussard, Baton Rouge, New Orleans, Alexandria, Acadiana, and statewide in Louisiana.
Call us today or visit our website for a customized quote.
Lafayette Insurance, affordable insurance, truck insurance, auto insurance lafayette la, commercial insurance, commercial insurance louisiana, marine insurance, hull insurance
2 min read
Levi Kastner : Aug 28, 2025 3:53:23 PM
Dr. Thompson thought his New Orleans chiropractic clinic was covered with general liability insurance. That belief changed after a hurricane...
3 min read
Levi Kastner : Aug 21, 2025 5:18:25 PM
When Dr. Landry opened her chiropractic clinic in Lafayette, she thought her biggest concerns would be treating patients and running her...
2 min read
Levi Kastner : Aug 25, 2025 6:40:41 PM
When Dr. Collins arrived at his Baton Rouge chiropractic clinic one Monday morning, he immediately noticed water pooling near his treatment...