Missouri Department of Commerce and Insurance offers guidance to Missourians impacted by severe weather

JEFFERSON CITY, Mo. - Following last weekend's severe storms impacting much of the state, the Missouri Department of Commerce and Insurance reminds Missourians who have questions or concerns about their insurance coverage to contact the department's Consumer Hotline at 800-726-7390 or visit insurance.mo.gov/consumers.

In 2025, DCI's Consumer Affairs Division recovered a record-shattering $46.2 million on behalf of Missouri consumers. Insurance experts are available to provide direct assistance, address questions, investigate claims and complaints, and mediate disputes about coverage.

"Missourians are no strangers to severe weather, but navigating insurance after a storm can be confusing and overwhelming," DCI Director Angela Nelson said. "If you have questions about your coverage or need help understanding your policy or the claims process, our team is here to help - and our services are completely free. Let us be your first call."

If your property has been damaged, be sure to document it and take photos before making any temporary repairs. Keep receipts for emergency fixes, and contact your insurance company promptly to begin the claims process.

The department's post-disaster claims guide is a great starting point for those beginning the recovery process after severe weather. DCI also has several other useful tools and resources to help those affected by recent storms.

While insurance can help you recover after the damage is done, it's important to take steps to reduce risk in the future. One of the simplest steps you can take before the next storm is to review your insurance coverage and understand what is and isn't covered. Knowing your coverage in advance can help avoid surprises and delays in the claims process.

It's also important to review your policy deductible, as it can change at renewal, and there can be separate deductibles for different types of loss. Most standard homeowners policies cover damage caused by fire, lightning, wind and hail. Flood and earthquake damage, however, are not typically covered and must be purchased separately.

In addition to reviewing your policy, here are a few additional steps you can take to prepare:

• Complete a home inventory. Document your belongings with photos, receipts and descriptions and store it in a secure location, such as a safe deposit box. Having an up-to-date inventory can make the claims process much easier if you experience a loss. Use DCI's Home Inventory Checklist to help you get started.
• Protect your property. Take time to trim trees; repair loose shingles, roofing materials, siding or shutters; secure outdoor furniture and other loose items; and clear gutters or storm drains. Remember that insurance is not a home warranty, and small maintenance tasks can help reduce potential damage during severe weather.

DCI is charged with protecting Missouri consumers through oversight of the insurance industry, banks, credit unions, utilities and various professional licensees operating in the state. For more information about the department, please visit our website at dci.mo.gov.