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“If you have questions regarding what your policy covers, we are here to assist,” said Chlora Lindley-Myers, director of the department. “We have trained technical experts standing by who can help review policies and assist with claims if needed.” Generally, homeowners insurance does not offer protection against flood losses. Homeowners should check their policies for exclusions, such as “water damage.” Policyholders who have questions or concerns about their insurance coverage should contact the department’s Insurance Consumer Hotline at  800-726-7390  or visit  insurance.mo.gov . Flood insurance is available through the federal government’s National Flood Insurance Program (NFIP). It may be purchased through licensed property and casualty insurance agents or through many private insurance companies. Typically, there’s a 30-day waiting period from date of purchase before a policy goes into effect. There are eligibility restrictions to qualify for National Flood Insurance. Consumers should contact the NFIP with eligibility questions at  800-427-4661 . For information about Missouri flooding recovery and resources check  Mo.gov/flood . The site is regularly updated with new information.

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