MS Insurance Commissioner stressed the importance of reviewing flood insurance

The Mississippi Insurance Commissioner’s office warned that you shouldn’t assume the federal government would step in and cover your losses. If it’s declared a federal disaster, they’ll help, but only to a certain point.

“Very crude conditions, because like I said, they’re only providing financial assistance that is necessary to resume living there,” described Andy Case, Consumer Services Director. “That doesn’t include flooring – that’s cooking utensils, a place to cook, an appliance and a place to sleep.”

Commissioner Mike Chaney noted that it’s not just catastrophic events that should make you think twice on getting coverage.

“Falling rain that raises water in creeks and rivers and streets where the culverts are stopped up is not covered, unless you have flood insurance,” Chaney said.