Wednesday, May 23, 2018

Insurance Commish: Prepare for Hurricane Season

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 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.
·        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,(
·        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 and visit the Be Prepared page of the MID website (
·        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 and the Be Prepared page of the MID website at or contact the MID Consumer Services Division at 1-800-562-2957.


Anonymous said...

Glad to see Mike is "busy" doing something while BCBS rapes and pillages the providers in this state.

Anonymous said...

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.

Anonymous said...

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??

In Peril said...

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"?

Anonymous said...

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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Trollfest '09

Trollfest '07 was such a success that Jackson Jambalaya will once again host Trollfest '09. Catch this great event which will leave NE Jackson & Fondren in flames. Othor Cain and his band, The Black Power Structure headline the night while Sonjay Poontang returns for an encore performance. Former Frank Melton bodyguard Marcus Wright makes his premier appearance at Trollfest singing "I'm a Sweet Transvestite" from "The Rocky Horror Picture Show." Kamikaze will sing his new hit, “How I sold out to da Man.” Robbie Bell again performs: “Mamas, don't let your babies grow up to be Bells” and “Any friend of Ed Peters is a friend of mine”. After the show, Ms. Bell will autograph copies of her mug shot photos. In a salute to “Dancing with the Stars”, Ms. Bell and Hinds County District Attorney Robert Smith will dance the Wango Tango.

Wrestling returns, except this time it will be a Battle Royal with Othor Cain, Ben Allen, Kim Wade, Haley Fisackerly, Alan Lange, and “Big Cat” Donna Ladd all in the ring at the same time. The Battle Royal will be in a steel cage, no time limit, no referee, and the losers must leave town. Marshand Crisler will be the honorary referee (as it gives him a title without actually having to do anything).

Meet KIM Waaaaaade at the Entergy Tent. For five pesos, Kim will sell you a chance to win a deed to a crack house on Ridgeway Street stuffed in the Howard Industries pinata. Don't worry if the pinata is beaten to shreds, as Mr. Wade has Jose, Emmanuel, and Carlos, all illegal immigrants, available as replacements for the it. Upon leaving the Entergy tent, fig leaves will be available in case Entergy literally takes everything you have as part of its Trollfest ticket price adjustment charge.

Donna Ladd of The Jackson Free Press will give several classes on learning how to write. Smearing, writing without factchecking, and reporting only one side of a story will be covered. A donation to pay their taxes will be accepted and she will be signing copies of their former federal tax liens. Ms. Ladd will give a dramatic reading of her two award-winning essays (They received The Jackson Free Press "Best Of" awards.) "Why everything is always about me" and "Why I cover murders better than anyone else in Jackson".

In the spirit of helping those who are less fortunate, Trollfest '09 adopts a cause for which a portion of the proceeds and donations will be donated: Keeping Frank Melton in his home. The “Keep Frank Melton From Being Homeless” booth will sell chances for five dollars to pin the tail on the jackass. John Reeves has graciously volunteered to be the jackass for this honorable excursion into saving Frank's ass. What's an ass between two friends after all? If Mr. Reeves is unable to um, perform, Speaker Billy McCoy has also volunteered as when the word “jackass” was mentioned he immediately ran as fast as he could to sign up.

In order to help clean up the legal profession, Adam Kilgore of the Mississippi Bar will be giving away free, round-trip plane tickets to the North Pole where they keep their bar complaint forms (which are NOT available online). If you don't want to go to the North Pole, you can enjoy Brant Brantley's (of the Mississippi Commission on Judicial Performance) free guided tours of the quicksand field over by High Street where all complaints against judges disappear. If for some reason you are unable to control yourself, never fear; Judge Houston Patton will operate his jail where no lawyers are needed or allowed as you just sit there for minutes... hours.... months...years until he decides he is tired of you sitting in his jail. Do not think Judge Patton is a bad judge however as he plans to serve free Mad Dog 20/20 to all inmates.

Trollfest '09 is a pet-friendly event as well. Feel free to bring your dog with you and do not worry if your pet gets hungry, as employees of the Jackson Zoo will be on hand to provide some of their animals as food when it gets to be feeding time for your little loved one.

Relax at the Fox News Tent. Since there are only three blonde reporters in Jackson (being blonde is a requirement for working at Fox News), Megan and Kathryn from WAPT and Wendy from WLBT will be on loan to Fox. To gain admittance to the VIP section, bring either your Republican Party ID card or a Rebel Flag. Bringing both and a torn-up Obama yard sign will entitle you to free drinks served by Megan, Wendy, and Kathryn. Get your tickets now. Since this is an event for trolls, no ID is required. Just bring the hate. Bring the family, Trollfest '09 is for EVERYONE!!!

This is definitely a Beaver production.

Note: Security provided by INS.

Trollfest '07

Jackson Jambalaya is the home of Trollfest '07. Catch this great event which promises to leave NE Jackson & Fondren in flames. Sonjay Poontang and his band headline the night with a special steel cage, no time limit "loser must leave town" bout between Alan Lange and "Big Cat"Donna Ladd following afterwards. Kamikaze will perform his new song F*** Bush, he's still a _____. Did I mention there was no referee? Dr. Heddy Matthias and Lori Gregory will face off in the undercard dueling with dangling participles and other um, devices. Robbie Bell will perform Her two latest songs: My Best Friends are in the Media and Mama's, Don't Let Your Babies Grow up to be George Bell. Sid Salter of The Clarion-Ledger will host "Pin the Tail on the Trial Lawyer", sponsored by State Farm.

There will be a hugging booth where in exchange for your young son, Frank Melton will give you a loooong hug. Trollfest will have a dunking booth where Muhammed the terrorist will curse you to Allah as you try to hit a target that will drop him into a vat of pig grease. However, in the true spirit of Separate But Equal, Don Imus and someone from NE Jackson will also sit in the dunking booth for an equal amount of time. Tom Head will give a reading for two hours on why he can't figure out who the hell he is. Cliff Cargill will give lessons with his .80 caliber desert eagle, using Frank Melton photos as targets. Tackleberry will be on hand for an autograph session. KIM Waaaaaade will be passing out free titles and deeds to crackhouses formerly owned by The Wood Street Players.

If you get tired come relax at the Fox News Tent. To gain admittance to the VIP section, bring either your Republican Party ID card or a Rebel Flag. Bringing both will entitle you to free drinks.Get your tickets now. Since this is an event for trolls, no ID is required, just bring the hate. Bring the family, Trollfest '07 is for EVERYONE!!!

This is definitely a Beaver production.

Note: Security provided by INS