Mississippi News

Prepare now for hurricane season, review insurance

Credit: Mississippi Insurance Department

Mississippi Hurricane Preparedness Week (April 30-May 6, 2023) is a good time to prepare for future storms. Consider creating 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 Mississippi Insurance Commissioner Mike Chaney. “Some insurance policies have a special deductible for losses caused by named storms. The insurer applies this deductible only when a named storm causes damage. This deductible is separate and different from the normal deductible in a homeowners policy.”

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).

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, email consumer@mid.ms.gov or visit www.mid.ms.gov.

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