Ahead of the 2021 hurricane season, Mississippi Insurance Commissioner Mike Chaney is encouraging you to download a new app that aims to expedite the reporting process should disaster strike.
The National Association of Insurance Commissioners (NAIC) launched the new ‘Home Inventory App’ to help consumers create and protect a record of their belongings and offers tips on disaster preparation and filing claims.
“There are other insurance-related things you can do to protect yourself in the event of a storm,” said Commissioner Chaney. “Don’t forget to review your insurance coverage and make sure you are familiar with your policies. If you have questions, contact your insurance agent or insurer.”
The NAIC Home Inventory App features the ability to:
- group belongings by category
- scan barcodes for accuracy
- upload and export photos with ease
- find disaster preparation advice
- review information about filing insurance claims
The NAIC Home Inventory App can be accessed from the App Store and Google Play.
Chaney also reminded you that flood damage is generally not covered by a standard homeowners or renter’s insurance policy. If you don’t have flood insurance and are considering purchasing a policy, remember there is a 30-day waiting period if you buy through the National Flood Insurance Program (NFIP).
Some insurance policies have a special deductible for losses caused by named storms. The insurer applies this deductible only when a named storm causes damage. This deductible is separate and different from the normal deductible in a homeowners policy.
From FEMA headquarters, President Biden announced Monday that the agency will send $1 billion to state and local governments through the ‘Pre-Disaster Building Resilient Infrastructure and Communities’ program.
After a historic 2020 season with 30 named storms, NOAA forecasters are predicting a 60% chance of an above-normal 2021 season with a likely range of 13 to 20 named storms, 6 to 10 of which could become hurricanes.