The Mississippi Insurance Department (MID) has been made aware of contractors acting as unlicensed public adjusters by filing claims on behalf of insureds. This practice is illegal in the State of Mississippi. Any contractor caught filing claims for insureds without a signed contract and proper licensure as a public adjuster will be referred to the Attorney General and/or Board of Contractors for legal action.
If you are aware of illegal activity or need other storm-related assistance, contact the MID Consumer Services Division by phone at 1-800-562-2957 or 601-359-2453.
You can also email consumer@mid.ms.gov
Keep the following tips in mind when hiring contractors:
- Check if a contractor is licensed with the Mississippi State Board of Contractors, https://www.msboc.us/
- Be cautious of door-to-door or phone solicitations, especially after storms. These contractors often rely on high-pressure sales tactics and unlicensed labor.
- Never pay in full before work is completed.
- Don’t feel pressured to sign or decide immediately—take time to review all documents.
- If materials must be purchased upfront, pay the supplier directly.
- Request at least three references and proof of required licenses, permits, insurance, and bonding.
- Record the contractor’s license plate and driver’s license number.
If you were impacted by Winter Storm Fern, file an insurance claim as soon as possible. Your policy may require that you make the notification within a certain time period. Be sure you cooperate fully with the insurance company. Ask what documents, forms, and data you will need to file a claim. Keep a record of all conversations with insurance companies, creditors or relief agencies.
Once you begin working with an adjuster, ask them for an itemized explanation of the claim settlement offer. Be patient and assist claims adjusters assigned to your case. Small losses may be settled quickly; extensive claims will take longer. Save all receipts, including those from the temporary repairs covered by your insurance policy.