Insurance Commissioner Mike Chaney issued the following statement.
Start
preparing now is the message Commissioner of Insurance Mike Chaney
sends to Mississippians as the development of a tropical system in the
Gulf of Mexico
appears imminent. The system is forecast to bring heavy rains, winds
and more to the state over the Memorial Day holiday weekend.
“Although hurricane season does not officially begin until June 1, this system is proof that advance preparation for any storm is key to protecting lives and property,”
Chaney said.
The
Mississippi Insurance Department believes getting prepared, knowing
your risk, and staying informed are just a few steps you can take to
stay prepared during hurricane
season.
Get Prepared:
·
Check
your insurance coverage. Many states have increased deductibles for
hurricanes and not all hurricane-related losses are covered under
traditional policies. Most homeowner’s
insurance policies do not cover damage or losses from flooding. Review
your policy, ensure you’re adequately covered and understand exclusions,
and contact your agent for any changes. If you’re not insured against
flood, talk to your agent or visit
www.floodsmart.gov.
Renter’s insurance policies are also available and should be considered
as a way of protecting your belongings. Call your Agent if you have
questions.
·
Download
the FEMA App. The FEMA App includes disaster resources, weather alerts,
safety tips, and a new feature that will enable users to receive push
notifications to their devices
to prepare. The app also provides a customizable checklist of emergency
supplies, maps of open shelters and recovery centers, tips on how to
survive disasters, and weather alerts from the National Weather
Service.
www.floodsmart.gov
·
Take
action now to be prepared for hurricane season. Videos on preparing
your home for a storm in a few days or hours are available for viewing
on the Mississippi Insurance Department
You Tube Channel,(https://tinyurl.com/
·
Make
sure you have family evacuation and communication plans, update your
emergency supply kit and evaluate your flood insurance needs.
·
Evacuations
are more common than people realize. Make yourself familiar with your
community’s evacuation zones, so you’ll know exactly where to go.
·
Remember: if a hurricane threatens your community and local officials say it's time to evacuate, don't hesitate -- go early.
·
Complete
a family communication plan. Plan how you will assemble your family and
loved ones, and anticipate where you will go for different situations.
Get together with your family
and agree on the ways to contact one another in an emergency, identify
meeting locations, and make a Family Emergency Communication Plan.
Know Your Risk:
·
To search for general information about risks in your area, visit
www.ready.gov and visit the Be Prepared page of the MID website (www.mid.ms.gov).
·
Check out NOAA’s historical hurricane tracks tool to check the severity and frequency of past hurricanes in your area.
Stay Informed:
·
Know
where to go for trusted sources of information during a hurricane
event. Sign up for alerts from your local emergency management office so
notifications, including evacuation
orders, go directly to your phone and email. Monitor local news for
hurricane watches and warnings in your area and follow directions of
local officials. Make sure you have a battery-operated or hand-crank
radio available should the power go out.
Additional information is available at
www.ready.gov/hurricanes and the Be Prepared page of the MID website at
www.mid.ms.gov or contact the MID Consumer Services Division at 1-800-562-2957.
5 comments:
Glad to see Mike is "busy" doing something while BCBS rapes and pillages the providers in this state.
When I see TV commercials for various questionable insurance products and across the screen in small print a notice of states where the products are not available is shown I notice that Mississippi is never among those states. That appears to be a lack of concern by the state's Insurance Commissioner for those he/she should be protecting. But of course that lack of concern is a long held tradition in the state. As is the lack of insight by current and former commissioners in scrutinizing insurance policies regarding what is covered and what isn't.
Our insurance commissioners seem to have always been and continue to be in the business of protecting insurance companies and not the people of Mississippi.
to 8;11am...... your are right BCBS RAPES AND PILLIAGES and has a virtual monopoly on heath insurance in this state. but you cant fault mike chaney. you want to change that, get trump and the republican congress to repeal the total EXEMPTION that insurance companies have from any type of federal regulation. that law has been around since the 60s. thats why each state has its own department of insurance. chaney can only do what the legislature allows him to do and that aint much. the reason, you ask? BCBS and their lobbyists have the entire mississippi legislature on their payroll. what part of that do you not understand??
Let's refocus on the insurance that this article pertains to. And here is my question to those that may be able to answer it, since I have never been given an answer from my homeowner's insurance outfit up in Boston MA.
In my specific homeowner's policy, there exists a "Peril" for "Named Storm Coverage". The policy does not indicate in writing if my home here in Central Mississippi is covered with regard to this certain "Peril". For example, let's say CAT2 Hurricane Kingfish develops in the Gulf of Mexico. That's a "named storm", is it not? Now let's say that the path of Hurricane Kingfish takes it up through Central Mississippi, where it has weakened and is now Tropical Storm Kingfish. Better yet, weaker than that and it is now a Tropical Depression. Would that not be considered a "named storm" and how would my policy respond should I suffer damage to my home due to the storm? A real life past example would be Hurricane Sandy that hit the East Coast a few years ago. We had Hurricane Sandy, then Tropical Storm Sandy and finally what they dubbed "Super Storm Sandy". Was there ever a "Super Storm" in history prior to Sandy?Makes you wonder how the people affected in that one were covered? Lastly, it seems like the damn Weather Channel will give a name to damn near any kind of storm outside the realms of a hurricane or a tropical storm in recent years. Stuff like an impending snow storm moving south out of Canada. Are those now considered a "named storm"?
when a hurricane hits the monied east coast anywhere from maryland to the north , the term hurricane is not good enough. hurricanes are for us swamp peasants down here on the gulf coast. those yankee millionaires experience super storms , not hurricanes. just another way they let us know how inferior we are down here on the bayou.
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