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HomeMediaNews ReleasesInsurers Are Assisting Mississippi Residents Recover from Deadly Tornadoes
March 27, 2023

Insurers Are Assisting Mississippi Residents Recover from Deadly Tornadoes


  • Jeffrey Brewer

    Department Vice President, Public Affairs

JACKSON, Miss. – Deadly and damaging tornadoes ripped through Mississippi over the weekend and the insurance industry has mobilized and is assisting residents in the recovery process.

“Our thoughts are with those who have been impacted by the violent weather,” said Hilary Segura, counsel, state government relations for the American Property Casualty Insurance Association (APCIA). “Anyone who experienced damage should contact their insurance company or agent to get the recovery process started. Insurers plan for severe weather and are prepared to immediately assist policyholders.”

While tornado activity frequently occurs in Mississippi, this weekend’s storms were particularly damaging. Individuals impacted by the storms should put safety first as they take the necessary steps to begin the cleanup and recovery process, also listen to local and state officials during this emergency.

Insurance adjusters are already in the process of helping storm victims and the good news is that most severe weather-related events like tornadoes are covered under a homeowners, renters, automobile, or commercial insurance policy.  

“Homeowners and renters insurance policies generally provide coverage for additional living expenses if a covered loss makes your home uninhabitable,” said Segura. “The additional living expense provision of your policy may help pay for things like temporary housing, laundry services, restaurant meals, and more. Additionally, if you experienced damage from the storm, do not become a victim twice by falling prey to illegitimate contractors seeking to making money off your situation.” 

Let your insurer verify what repairs are necessary before you sign any contracts, then find a licensed and reputable contractor to do the work. Use your insurer or agent as a resource in helping to access the services needed to handle a claim and take the proper precautions to make sure they are hiring a reputable contractor to complete the job.

“Once you have filed your claim, there are a number of things you can do to help expedite the recovery process such as photographing the damage and making an inventory of what was lost and damaged,” said Segura.

APCIA offers resources with vital information for those impacted by severe weather, as well as preparedness tips for those living in tornado-prone areas.

APCIA’s Tornado Recovery Tips:

  • Secure property from further damage or theft.
  • Contact your insurance agent or company representative as soon as possible to report damage.
  • Inventory losses and photograph damage to provide to your insurance adjustor. Save receipts.
  • If you are a businessowner, keep detailed records of business activity that is negatively affected due to the tornado or storm and keep a list of extra expenses during the interruption. Prepare records to show the income from the business before and after the loss.
  • Many standard homeowners’ and renters’ policies provide reimbursement of additional living expenses when the property is determined to be uninhabitable due to a covered loss. This provision helps with paying for increases to necessary living expenses such as temporary housing and restaurant meals. In addition, extra expenses such as overnight parking and laundry services may also be covered. Additional living expense coverage does not pay for all living expenses, so contact your insurance company or agent for a list of what your policy will cover.
  • Be careful about unscrupulous contractors following a natural disaster. Contact your insurer, agent or local business bureau for references on potential contractors and ask for certificates of liability and workers compensation before signing contracts.
The American Property Casualty Insurance Association (APCIA) is the primary national trade association for home, auto, and business insurers. APCIA promotes and protects the viability of private competition for the benefit of consumers and insurers, with a legacy dating back 150 years. APCIA members represent all sizes, structures, and regions—protecting families, communities, and businesses in the U.S. and across the globe.
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Jeffrey Brewer

Department Vice President, Public Affairs

847-553-3763 jeffrey.brewer@apci.org
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