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Storm Insurance - Is your home covered like you want?

An insurance agent explains how to be sure your home is protected as you want it before a tragedy happens, and a Smithville woman talks about the EF-5 tornado that devastated the town in 2011.

Posted: Mar 23, 2021 11:13 PM
Updated: Mar 24, 2021 12:55 AM

SMITHVILLE, Miss. (WTVA) -- Some may want to make sure their homes have the insurance they need/want in case of storm damage.

A massive tornado hit Smithville in April of 2011.

The front doors of Smithville School gym. Photo taken 03-23-21.

Now, the Smithville School gym is one of the main buildings people come to in Smithville for shelter during storms.

Bessie Terrell of Smithville told WTVA she feels her home is properly covered.

"Yes, it is." said about her home being properly insured in case a storm damages it.

She said she remembers all too well the EF-5 tornado that plowed through Smithville on April 27, 2011.

Luckily that storm veered away from the closet she hunkered in.

Now, if something like that were to happen again, she only hopes she's ready.

"I pray that I am prepared," Terrell said.

ALFA Insurance Agent Greg Ott of Tupelo explained that before severe weather strikes is the best time to ensure you properly insuring your home.

"This would be a good time with the storm season coming to check with your agents and verify your coverages, make sure you have what you have, and check your deductibles."

He said if people have storm damage, they'll need to contact their adjuster first, and then find some local contractors with the adjuster.

"You will pay your deductible first, and then insurance picks up after the deductible."

He couldn't give a dollar amount of insurance coverage because of so many variables on a house, such as the amount it costs and the type of insurance you have, but he advised that you make sure you have what you want before it's too late.

"You can definitely buy different coverage, I mean you have the replacement cost policy, which is gonna replace your house if something happens one hundred percent, or you can get actual cash value, which means the policy is going to be depreciated, so you definitely need to check on which one of the two you have," Ott explained.

"Replacement cost is normally going to be a little bit more because we're going to recover it one hundred percent after your deductible."

"The dollar figure on the cost of the insurance is gonna depend on the deductible, the house, newer houses normally cost less to insure, so there's just too many variables on the cost of the insurance," Ott said.

"Probably the most valuable thing you own is your house. I would think it would be very important to make sure you have the coverage you need on your house," he added.

For Terrell, she said she's just grateful to still be here.

"I just thank God that we did survive the 2011 storm. My daughter lost her business downtown in Smithville, but other than that, I'm so thankful because we do realize that it could've been worse," Terrell said.

Ott added that homeowner's insurance and flood insurance are two separate things. If people have a concern about flooding, he advised they should check with their insurance agent for a flood insurance quote.

Mississippi Coronavirus Cases

Data is updated nightly.

Cases: 307519

Reported Deaths: 7096
CountyCasesDeaths
DeSoto20772248
Hinds19888408
Harrison17489302
Rankin13311275
Jackson13097243
Madison9895210
Lee9856169
Jones8290160
Forrest7523146
Lauderdale7187237
Lowndes6262144
Lamar610584
Lafayette6027117
Washington5280132
Bolivar4769129
Oktibbeha455297
Panola4442103
Pearl River4419139
Warren4280118
Marshall4273100
Pontotoc416472
Monroe4057132
Union403675
Neshoba3987176
Lincoln3869108
Hancock372085
Leflore3468124
Sunflower329389
Tate322681
Pike3180104
Scott310572
Yazoo304368
Alcorn297764
Itawamba296776
Copiah292965
Coahoma289677
Simpson287484
Tippah284668
Prentiss275659
Marion265779
Wayne261341
Leake261073
Grenada254982
Covington254580
Adams245882
Newton244859
George237847
Winston225981
Tishomingo222067
Jasper219748
Attala213273
Chickasaw204857
Holmes186471
Clay182454
Stone179131
Clarke176876
Tallahatchie175240
Calhoun163230
Yalobusha158836
Smith158534
Walthall130543
Greene129433
Lawrence126223
Noxubee125933
Montgomery125542
Perry125138
Carroll120826
Amite120041
Webster113432
Jefferson Davis105432
Tunica102525
Claiborne101330
Benton97225
Kemper95226
Humphreys94332
Franklin81823
Quitman78916
Choctaw72817
Jefferson64828
Wilkinson64727
Sharkey49617
Issaquena1686
Unassigned00

Alabama Coronavirus Cases

Cases: 518899

Reported Deaths: 10712
CountyCasesDeaths
Jefferson753641487
Mobile37763798
Madison33859494
Tuscaloosa25266443
Montgomery23962565
Shelby23106238
Baldwin20631300
Lee15524165
Calhoun14284311
Morgan14139268
Etowah13662345
Marshall11957219
Houston10380278
Elmore9993200
Limestone9811147
Cullman9470188
St. Clair9426234
Lauderdale9215227
DeKalb8746181
Talladega8058171
Walker7087275
Jackson6754110
Autauga6723103
Blount6483135
Colbert6203130
Coffee5399112
Dale4767110
Russell428838
Franklin419982
Chilton4083109
Covington4053114
Tallapoosa3893146
Escambia387674
Dallas3527149
Chambers3499122
Clarke346360
Marion3065100
Pike305875
Lawrence295395
Winston272372
Bibb256258
Marengo248661
Geneva245875
Pickens232959
Barbour224755
Hale218775
Butler212266
Fayette208960
Henry187844
Cherokee182044
Randolph176941
Monroe171440
Washington164038
Macon154548
Clay149354
Crenshaw149257
Cleburne146041
Lamar139234
Lowndes136453
Wilcox124327
Bullock121340
Conecuh109028
Perry107926
Sumter102932
Coosa99228
Greene90734
Choctaw58724
Out of AL00
Unassigned00
Tupelo
Clear
68° wxIcon
Hi: 86° Lo: 50°
Feels Like: 68°
Columbus
Partly Cloudy
72° wxIcon
Hi: 84° Lo: 48°
Feels Like: 72°
Oxford
Clear
63° wxIcon
Hi: 83° Lo: 48°
Feels Like: 63°
Starkville
Partly Cloudy
61° wxIcon
Hi: 84° Lo: 47°
Feels Like: 61°
A cold front will move into our area during our Tuesday. This front will bring some chances for some rain and isolated thunderstorms for our Tuesday night. Some of the activity will linger in our area into our Wednesday.
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