Separate federal flood coverage is required, even if you have homeowner’s or renter’s insurance
By Wilson Stribling | February 14, 2020 at 11:39 AM CST – Updated February 14 at 11:39 AM
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 don’t take effect until after a 30-day waiting period.
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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