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In the aftermath of recent severe weather across Missouri, the Missouri Department of Commerce & Insurance (DCI) is stepping up to offer crucial resources for residents.
From assisting with insurance claims to warning about potential scams, DCI is providing a range of services to ensure residents receive the help they need to recover.
This article covers the guidance provided by DCI, including the steps for filing claims, available resources, and how to avoid fraudulent contractors.
Getting Started with Insurance Claims
Following severe storms, it’s vital for residents to initiate the insurance claims process as soon as possible. According to Angela Nelson, the director of DCI, homeowners and car owners must contact their insurance companies to file claims. This step is essential in starting the recovery process.
- For homeowners: If your home has suffered damage, make sure to notify your insurance company immediately.
- For car owners: Similarly, if your vehicle was affected, the first step is to reach out to your car insurance provider.
If you encounter any issues when trying to contact your insurance company, DCI is available to help connect you with the right resources.
Resources Available for Missourians
DCI has set up a dedicated toll-free number, 1-800-726-7390, to provide assistance for residents affected by the storms. The department is ready to answer any questions about the claims process and provide guidance.
- Important tip: If your situation differs from previous claims you’ve made, or if you encounter any discrepancies, DCI encourages residents to reach out for clarification.
Storm Impact and Response
The storm that affected Missouri has caused substantial damage, and insurance companies are working to keep up with the high volume of claims.
DCI estimates that there are approximately 20,000 claims currently being handled across the state. Specialized teams have been deployed by insurance companies to assist residents more effectively.
- Insurance efforts: Teams are deployed to assess the damage quickly and help residents navigate the claims process smoothly.
Avoiding Scams and Fraudulent Contractors
In the wake of severe storms, there’s an increased risk of scams. DCI urges Missourians to be cautious of contractors or individuals offering unsolicited help. These scammers might offer to repair homes or file claims on behalf of residents. Nelson emphasizes the importance of:
- Verifying contractors: Always check the references of contractors before agreeing to any work.
- Payment guidelines: Never pay the full amount upfront. Only around 50% should be paid initially.
- Red flags: Be wary of contractors using high-pressure tactics, such as insisting on signing a contract or making payments immediately.
If you suspect that you’ve been targeted by a scam, the DCI recommends filing a report with the Missouri Attorney General’s office.
Preparing for Future Severe Weather
Looking ahead, DCI advises homeowners to review their insurance policies regularly to ensure they are adequately covered. Residents should be aware of their deductibles and the rebuilding cost of their homes. It’s essential to:
- Review insurance policies: Understand your coverage and make sure your home is insured based on the rebuilding cost, not the market value.
- Know your deductible: Being aware of your deductible ensures you are prepared for any costs associated with an insurance claim.
Helping Communities Recover
Insurance coverage plays a pivotal role in helping communities recover after a disaster. Nelson underscores that recovery efforts are significantly bolstered by the insurance industry, which helps rebuild homes and local infrastructure.
While recovery can take time, having the right insurance coverage is critical for speeding up the rebuilding process. DCI continues to provide vital assistance to ensure residents are fully supported in their recovery journey.
The Missouri Department of Commerce & Insurance is providing essential guidance and resources to help residents affected by recent severe storms.
By following the advice on filing insurance claims, avoiding scams, and preparing for future severe weather, residents can better navigate the recovery process.
Remember, timely action and careful planning are critical for effective recovery, and DCI is here to help you every step of the way.