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.

SLIDESHOW: Pearl River Flood of 2020

Mayor Lumumba orders emergency evacuation for some residents due to extreme flood warning

City of Ridgeland issues mandatory evacuation for Harbor Pines subdivision

Several streets in N.E. Jackson taking on water; evacuations eminent

Mayor declares local emergency for City of Richland due to expected Pearl River flooding

Mandatory evacuation issued for several Jackson streets as Pearl River continues to rise

Portion of Old Brandon Road closed due to flooding

Remembering the Flood of 1983

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