Flood Insurance in Mississippi

Did you know that floods are responsible for a vast majority of natural disasters across the country? In Mississippi, there isn't a shortage of flooding either. Unfortunately, this state is one of the hardest hit when it comes to flood-related damage. At Insurance Protection Specialists, we work closely with our clients to make sure they understand the essentials of flood insurance in the Flowood, MS area.

Understanding Flood Insurance

Some homeowners are not aware that flood insurance is not included as part of their home insurance policy. It is a separate protection plan. It's essential to have protection from the heavy rains that come as a result of tropical storms or hurricanes. The National Flood Insurance Program, adopted by Congress in 1968, was developed as a way for homeowners to be financially safeguarded should a flood occur.

What Does Flood Insurance Cover?

In short, a flood insurance policy protects the building itself, along with your items inside. The building may include any of the following:

• The foundation
• Plumbing, wiring, or electrical systems
• HVAC equipment
• Your flooring (carpet, laminate, hardwood)

Your personal belongings could include:

• Furniture and clothing
• Washers and Dryers, Curtains, Electronics
• Other items deemed to have value

Why You Need Flood Insurance

The weather in the Flowood, MS area can be unpredictable. Water can create significant damage to your property, and you don't need that much of it for problems to start. You only need one inch of water to create damage to your home's floors; this can develop a whole host of issues like algae and mold.

Flood Insurance Pros in Mississippi

When you want to keep your biggest investment protected, look no further than The Insurance Protection Specialists. We strive to get you an affordable policy that will meet your needs. To work with a friendly professional who has your best interest in mind, give us a call today!