Hurricane Season in Mississippi Isn’t Over Yet; Does Your Homeowners Insurance Cover Flooding?

As hurricane season continues in Mississippi, many homeowners are keeping a close eye on the weather. Heavy rains, storm surges and flash floods can cause significant damage to homes across our state. At Sunstar Insurance Services, we want to make sure our clients understand what their homeowners insurance covers, especially when it comes to flooding during hurricane season.

What Does Standard Homeowners Insurance Cover?

Most standard homeowners insurance policies protect against a range of risks, such as wind damage, hail and fire. However, it’s important to know that flooding is typically not included in these policies. This means that if your home is damaged by rising water from a hurricane or heavy rainfall, your standard policy likely will not cover the repairs or replacement of your belongings.

Why Flood Insurance Matters in Mississippi

Mississippi is no stranger to severe weather and flooding, especially during hurricane season. Even homes outside of high-risk flood zones can experience water damage from unexpected storms. Flood insurance is a separate policy designed specifically to cover losses caused by flooding, including damage to your home’s structure and your personal property.

Reviewing Your Policy and Exploring Flood Coverage

We encourage all Mississippi homeowners to review their current insurance policies and understand exactly what is and isn’t covered. If you’re unsure about your flood risk or the details of your coverage, our team at Sunstar Insurance Services is here to help. We can walk you through your policy, answer your questions and discuss flood insurance options that fit your needs and budget.

Take Action Before the Next Storm

Don’t wait until a hurricane is on the horizon to think about your coverage. Contact our team at Sunstar Insurance Services to review your homeowners insurance and explore flood insurance options. We’re committed to helping Mississippi homeowners protect what matters most. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.