State announces flood insurance information site

The Missouri Department of Insurance has put together information about insurance claims for flood damage at its website, insurance.mo.gov/consumer/weather/floodresources.htm.

The online resources include details for how flood damage is covered, depending on whether it affects homes, cars or

crops.

Most homeowners and renters insurance policies don't cover flood damage. To be covered, consumers need a policy through the National Flood Insurance Program. Policies have a 30-day waiting period before they're effective. Consumers with coverage should contact the agent who sold them their flood insurance policy, or the National Flood Insurance Program at floodsmart.gov or 888-379-9531.

Farmers with crop damage should contact their crop insurance agent as soon as possible. They can also contact the Risk Management Agency at rma.usda.gov or call 202-690-2803.