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JACKSON, Miss. – Having the right information following a disaster makes filing a claim easier and faster. Find your policy information, store it in a safe, waterproof place, and make a digital copy. If you didn’t have a home inventory before the storms, make one now to give to your insurance company.

Damage caused by tornadoes is covered under standard homeowners and business insurance policies, as well as the optional comprehensive portion of an auto insurance policy. Flood insurance requires a separate policy and is not covered by your homeowner policy.

“Let your insurance company know the extent of the damage,” said Insurance Commissioner Mike Chaney. “After tornadoes and other disasters, insurance companies will reach out to those with the worst losses first. If you are not staying on the property, make sure your insurance representative knows where and how to contact you.”

Follow these steps when filing a claim:

  • 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.

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, 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.