Regular insurance policies won’t cover flood damage

Separate federal flood coverage is required, even if you have homeowner’s or renter’s insurance

Regular insurance policies won’t cover flood damage

JACKSON, Miss. (WLBT) - If your house floods in the Pearl River Flood of 2020, your regular homeowner’s or renter’s insurance will not cover the damage.

You need a separate flood policy for that, and if you don’t have one already, it’s too late. New insurance policies typically don’t take effect until after a 30-day waiting period, according to the Mississippi Insurance Department.

If you rent your home, your landlord’s flood policy will cover the house, but not your belongings. You have to get a separate flood policy of your own to cover the contents.

Flood policies are backed by the federal government through the National Flood Insurance Program. Get more information about it here.

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