Special to The Clinton Courier
With recent flash flooding throughout the state, some homeowners are questioning whether or not they have flood insurance. Homeowner’s policies do not cover flooding. It is a separate policy available through private companies or the National Flood Insurance Program (NFIP). It typically takes thirty days for a flood policy to go into effect.
The Mississippi Insurance Department reports that, at last check, there were about 75,000 flood policies in force, NFIP and private insurance policies combined, representing less than three percent of the state population, based on 2021 Census estimates.
Clintonians are encouraged to take the time to prepare for potential flooding or other disasters. Document belongings by taking pictures and writing down descriptions of household items and how much they cost. This will make filing a claim easier and faster.
“If you experienced flash flooding and already have flood insurance, file an insurance claim as soon as possible,” said Insurance Commissioner Mike Chaney. “Once it is safe to return to your property, document any damage with photos and videos. You should also prepare a list of damaged items in your home, and photograph those items, as well.”
While the Mississippi Insurance Department (MID) does not regulate the NFIP, MID will assist consumers who have experienced flooding. For insurance related questions, call an agent or call MID at 1‐800‐562‐2957, or email firstname.lastname@example.org.