Jackson Jambalaya

 Insurance Commissioner Mike Chaney issued the following statement. 

The Mississippi Insurance Department (MID) is collecting claim information from insurance companies regarding damage from Winter Storm Fern.

“I have instructed companies throughout the state to participate in a data call. Results have started coming in, showing just how many properties and homeowners were impacted. At last check, more than 12,000 claims have been filed, totaling more than $107 million in incurred losses. I expect that number to continue to climb as reporting continues,” said Insurance Commissioner and State Fire Marshal Mike Chaney.

Data shows the majority of claims, more than 10,000, are for residential property. Of the 12,000-plus claims filed, 55 percent have been closed, and more than $60 million has already been paid.

If you need assistance, contact the MID Consumer Services Division by phone at 

1-800-562-2957 or 601-359-2453. You can also email consumer@mid.ms.gov

If you were impacted by Winter Storm Fern and have not already filed a claim, do so now. 

• Prepare to file an insurance claim by gathering all relevant policy numbers.
• File your claim as soon as possible. Your policy may require that you make the notification within a certain time period. 
• Be aware that if a widespread disaster has occurred, the company may set up special procedures.
• Be sure you cooperate fully with the insurance company. Ask what documents, forms, and data you will need to file a claim. Keep a record of all conversations with insurance companies, creditors, or relief agencies.
• If your home is damaged to the extent that you can’t live there, ask your insurance company if you have coverage for additional living expenses.
• Take photographs/video of the damage. Inventory your home for damaged or lost items before your adjustor arrives. This will speed up your claim process.
• Make the repairs necessary to prevent further damage to your property (cover broken windows, leaking roofs, and damaged walls). 
• Don’t have permanent repairs made until your insurance company has inspected the property and you have reached an agreement on the cost of repairs. Be prepared to provide the claims adjuster with records of any improvements you made before the damage.
• Maintain any damaged personal property for the adjuster to inspect.
• Ask the adjuster for an itemized explanation of the claim settlement offer.
• Be patient and assist claims adjusters assigned to your case. Small losses may be settled quickly; extensive claims will take longer.
• Save all receipts, including those from the temporary repairs covered by your insurance policy.