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Officials are encouraging Louisiana residents to be insurance-ready before cold weather affects the state.
The Louisiana Department of Insurance says people should talk with their insurance agent about potential out-of-pocket costs.
In addition, they should ask their agent about having access to their policy information in case it becomes necessary to file a claim.
If extreme winter weather damages a home or a car, the policy holder should take pictures and not throw anything away. Next step is to contact the insurance agent.
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