Insurance commissioner encourages preparation ahead of storms

Sept. 10, 2024 – Having the right information following a disaster makes filing a claim easier and faster. Find your policy information, store it in a safe, waterproof place, and make a digital copy. Create a home inventory so that it’s easier to file a claim in the event of a disaster. A free tool to do this is the NAIC Home Inventory App. It can be downloaded from the App Store and Google Play.

“Don’t forget to review your insurance coverage and make sure you are familiar with your policies,” said Insurance Commissioner Mike Chaney. “Flood damage is generally not covered by a standard homeowners or renter’s insurance policy. If you don’t have flood insurance and are considering purchasing a policy, remember there is a 30-day waiting period if you buy through the National Flood Insurance Program (NFIP). You should call your insurance agent to see what your policy covers and what add-on coverage you may need.”

Pack a “Go Bag” that includes:

·         Important documents like insurance cards and Social Security cards. Keep copies of these documents in a waterproof container or digital image saved online.

·         Cash

·         Medications

·         A battery-powered radio

·         A gallon of drinking water for every family member and pet

If you need assistance with an insurance question or claim, call 601-359-3569 or 1-800-562-2957, by email consumer@mid.ms.gov or visit www.mid.ms.gov.