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    Navigating insurance after a disaster

    Posted on June 27, 2014 at 2:20 PM

    Rising floodwater might be making a dent in your wallet. The Minnesota Department of Commerce can help guide you through the insurance claims process if you have experienced damage or property loss.

    The Disaster Information Center is your one-stop shop to help you make sense of insurance and the claims process in the event of property damage or loss.  Learn more about your rights during the claims process, including what your insurance company must do when you file a claim and what they cannot do when you file a claim.
     
    If you have a problem with your insurance company call our Consumer Response Team (CRT). You can reach a CRT Representative between the hours and 8:00am and 4:30pm, Monday through Friday at 651-539-1600 or by email at consumer.protection@state.mn.usFlooded House Illustration
     
    We also teamed up with the University of Minnesota Extension on the guide "Disasters Happen: Are You Prepared" that highlights the many resources available to help families recover (not just financially) after a disaster.
     
    If you haven't been impacted by recent storms, now is a good time to plan for a future claim.  You can start with creating a home inventory to document your important possessions that can help ensure that you are adequately compensated by an insurance settlement. 
     
    Reviewing your coverage regularly and making sure that you understand your insurance policies will help offer peace of mind in the event of a disaster.  Meet with your insurance agent annually or as needed to ensure your insurance coverage is adequate to protect you and your family against loss. Keep in mind that flood insurance is not covered under a typical homeowner's insurance policy. 


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