March 25, 2019

Insurance Tips for Missourians Affected by Flooding

Missouri Department of Insurance provides information and resources to help flood victims recover

As portions of Missouri continue to deal with severe flooding, the Missouri Department of Insurance reminds consumers who have insurance questions or concerns to contact the department’s Insurance Consumer Hotline for assistance at 800-726-7390 or visit insurance.mo.gov. The department’s Resources for Flood Victims page answers a variety of frequently asked questions regarding flood damage and related issues.

“We want to provide as much assistance and support to our fellow Missourians as we can,” said Chlora Lindley-Myers, Director of the Missouri Department of Insurance, Financial Institutions and Professional Registration. “It can be difficult to know what to do following a severe weather event. We have professionals who are ready to help answer questions and provide guidance if consumers experience issues when filing a claim with their insurance company.”

The Department offers these tips for consumers affected by the flooding:

  • Depending on the severity of your loss, you may want to consider obtaining damage estimates to help you determine whether to file a claim.
  • Contact your insurance agent or your company's toll-free claims number if you determine you do need to file a claim.
  • If you have lost your insurance company's contact information, the department may be able to help you locate it. Contact the department at insurance.mo.gov or by calling 800-726-7390.
  • Make temporary repairs to prevent further damage. For example, a hole in the roof should be covered by a tarp or other materials to keep out rain and animals. The same goes for a broken car window. Otherwise, further damage will likely not be covered by your insurance policy. Keep the receipts for materials you buy, so you can be reimbursed.
  • Do not make permanent repairs until your insurance company has inspected the damage. If you do, your company may not reimburse you.
  • Once your claim is processed, get estimates from contractors or auto repair shops known to you or recommended by someone you trust. Be suspicious of strangers who offer to do repairs for you.
  • Do not let contractors inspect your property if you're not watching. Some unscrupulous companies will cause damage to drive up the repair cost, and your insurance company will likely not cover the additional cost.
  • Do not pay the whole repair bill in advance. Pay in full only when the work is completed according to your agreement.
  • Business owners can refer to the department's small business insurance page, which offers information on commercial property, business interruption insurance and more.
  • If you believe your insurance company has improperly handled your claim, file a complaint with us. 

About the Missouri Department of Insurance, Financial Institutions & Professional Registration

The Missouri Department of Insurance, Financial Institutions and Professional Registration (DIFP) is responsible for consumer protection through the regulation of financial industries and professionals. The department's seven divisions work to enforce state regulations both efficiently and effectively while encouraging a competitive environment for industries and professions to ensure consumers have access to quality products.

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