MoDECI continues to provide consumer support, guidance

As Missouri recovers from multiple severe weather events this spring, the Missouri Department of Commerce and Insurance (DCI) continues to provide insurance support and guidance to consumers navigating the post-disaster claims process.

“Navigating insurance following a devastating disaster is overwhelming, and that is only compounded by frustration over the pace of recovery,” DCI Director Angela Nelson said. “I want Mis. sourians to know our department is here, and our team is committed to ensuring Missouri policyholders receive the coverage they are entitled to. If anyone has questions about their insurance claim or is unsure what to do next, let us be your first call. We are here to help every step of the way.” DCI’s mission is to protect Missouri consumers and ensure a fair, efficient and transparent recovery process. Experts are available to provide direct assistance, field questions, investigate claims and complaints, monitor insurer conduct, and mediate disputes about coverage. Consumers can call the department’s Consumer Hotline at 800-726-7390 for help or visit insurance.mo.gov for more information and resources.

The department’s postdisaster claims guide is a great starting point for those beginning the recovery process after a disaster. DCI has also created a dedicated website full of useful tools to help those impacted by recent severe weather.

DCI urges Missourians to keep the following in mind at this stage of recovery:

Remember that every disaster is different, and the amount of time it takes for an adjuster to come inspect your home varies depending on several factors. Some adjusters may be sent from other states to help when there’s a large number of claims. It often takes longer for an adjuster to reach you following a major disaster that has impacted multiple states, but reach out to DCI if you haven’t yet heard from your insurance company. While some delays may be reasonable or expected, your insur. er should be able to outline next steps for you.

After storms and disasters, fraudsters and scam artists often arrive quickly. Be wary of contractors who offer to do your repairs with upgraded or free building materials, and never pay the full amount before work is complete. Reputable contractors do not usually ask for the full payment up front.

If you’re working with contractors you don’t know, find out where they’re from, and ask for references before signing any contracts or paying any money. The Secretary of State or the Division of Professional Registration can confirm whether a contractor is licensed in Missouri.

It is your decision who you hire to repair your property, but if you’re having trouble finding a contractor, reach out to your insurance company for recommendations.

If you suspect fraud of any kind, report it to DCI and the Missouri Attorney General’s Office as soon as pos sible.