Coast Residents Urged to Consider Flood InsuranceBy Evelina Burnett | Published 29 May 2013 08:51am |
Residents along Mississippi’s Gulf Coast are being urged by state and local officials to prepare for storm surge during this year’s hurricane season. Storm surge is the rapid rise in sea water that can happen during a hurricane and it can cause considerable damage to homes and property.
Flood insurance covers damage caused by storm surge, says Mississippi Insurance Commissioner Mike Chaney; normal homeowners insurance does not. That’s another reason why homeowners need to consider purchasing flood insurance now.
Chaney says that flood insurance takes 30 days to go into effect.
Another good reason to renew or purchase now: rates are going up October 1. Chaney also says that homeowners shouldn't drop their flood insurance unless they absolutely have to, because if they buy in later, the rates will be higher.
Along with the standard wind warnings and watches, the National Hurricane Center will offer storm surge predictions this year. Harrison County emergency director Rupert Lacy wants residents to look at both.
Insurance Commissioner Chaney also recommends making an inventory of personal property, including photos, videos and receipts where possible, for insurance purposes. Hurricane season begins June 1.
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