Homeowners insurance alone won't cover hurricane damage
There isn't one policy that protects against hurricanes. But according to
"There is no specific insurance policy that says, 'This is hurricane insurance,'" Chaney said to WJTV 12 News. "Although an agent may tell you that wind and hail insurance, which we call wind plans, are hurricane insurance, but they also cover windstorms, hailstorms, tornadoes, any wind damage."
Chaney also told WJTV 12 News that wind and flood insurance are elements needed alongside homeowners insurance to protect against hurricane damage.
For Mississippians near and along the coast, flooding resulting from hurricanes making landfall is a more significant threat. But since a typical homeowners insurance policy does not include flood insurance, it must be purchased as separate, stand-alone insurance.
Though many policies often include coverage for wind damage, Chaney recommends that homeowners ensure this is the case, especially if they live in flood-prone areas.
"Talk to your insurance agent," Chaney said. "Be sure that you know what you got, what coverage you have."
In a May press release from the
But no matter how many storms impact the Magnolia State this hurricane season, state leaders like Chaney insist on the same things.
"Know your evacuation route if you live on the
Mississippians have a plethora of resources to choose from. Many insurance agents have information about flood insurance or how to buy it.
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