Magnolia State News

Gov. Tate Reeves declared a state of emergency in Jackson due to a water crisis, activating the Mississippi National Guard. The announcement was made via his social media account on August 30, 2022.

In conjunction with this, the National Weather Service issued a flood warning for Rankin and Hinds counties, indicating that moderate flooding could occur through September 1.

The aftermath of such disasters often leads to significant insurance claims processes. In light of this, several steps are recommended for those affected:

First, contact your insurance company immediately after the storm has passed to inquire about coverage details, claim processing times, and whether repair estimates are necessary.

While temporary repairs can be made to prevent further damage, permanent repairs should wait until after an insurance adjuster has assessed the property. It is important to save receipts for any repair expenses incurred during this time.

Preparation for the adjuster's visit involves documenting damaged property thoroughly. This includes creating an inventory with descriptions and estimated replacement costs. Damaged items should not be discarded until reviewed by the adjuster. Photographic or video evidence can support claims if records are lost.

Structural damage and supporting structures need careful examination. Any issues like wall cracks or missing roof tiles should be listed for the adjuster's attention. Inspections of electrical systems may also be covered by most insurance policies.

Obtaining written bids from licensed contractors detailing materials and costs will aid in expediting the claims process. Maintaining copies of all documents exchanged with your insurer is crucial.

Finally, once claims are settled and repairs begin, it's advisable to reassess insurance coverage adequacy with an agent to ensure comprehensive protection against future incidents.