Storm Center - Home Insurance

Check Insurance Coverage Before Hurricanes Threaten

Hurricane season begins in June. Now is the time to check your homeowner's insurance policy to make sure it contains adequate coverage, and to learn how to report damage.

Don't wait until a hurricane appears on the radar; most insurance companies will not accept new applications after a designated hurricane enters the Gulf of Mexico.

Remember, too, that all Mississippi is susceptible to damage from a hurricane, not just coastal counties. Damage can be caused anywhere in the state by flooding, strong winds or tornadoes as a hurricane sweeps inland.

Coast Electric Power Association urges all homeowners to prepare for hurricane season with the following advice from the Mississippi Insurance Department.

Before the storm arrives:

• Check your homeowner's policy to make sure it contains flood and windstorm coverage.
• Review coverage limits on the home and valuables to make sure they are fully covered.
• Determine whether your policy will pay replacement cost or actual cash value in the event of a loss.
• Find out whether the policy will pay for "additional living expenses" to cover the cost of hotel rooms and meals should your home become uninhabitable.
• Record and update an inventory of all personal belongings. Make photos and, if possible, a videotape showing your possessions. Record insurance policy information.

After the storm has passed:

• Report any damage to your home or property to your insurance agent as soon as possible. Keep track of the special reference number for your claim that the insurance company will issue to you.
• Make sure the adjuster assigned to you is properly licensed. Ask to see his or her identification.
• Make any needed emergency repairs to your home as required by your policy. Be careful of structural damage, escaping gas or fallen power lines. And never touch a damaged or downed power line! Report it immediately to your electric utility.
• Hire only licensed and reputable contractors for repair work.