Detailed Answer
Under Mississippi law, your insurance company must investigate and communicate about your claim promptly. Mississippi Code § 83-11-119 (Unfair Claim Settlement Practices) requires insurers to acknowledge claims, assign a claim number, and provide the adjuster’s contact details when you request them.
- Locate Your Policy Information. Find your declarations page or policy number. You’ll need this to verify coverage and match your claim record.
- Check Your Insurer’s Online Portal. Many insurers post claim numbers and adjuster contacts in your online account. Log in or register on the company’s website or mobile app and navigate to the “My Claims” section.
- Call the Claims Department. Dial the number on your insurance card or policy paperwork. Provide your policy number and request your claim number and adjuster’s name, phone number, and email address.
- Contact Your Insurance Agent or Broker. If an agent sold your policy, they can request this information on your behalf. Ask them to confirm your claim number and adjuster’s details in writing.
- Request Written Confirmation. After you get the claim number and adjuster contact, ask the insurer to email or mail that information. Written confirmation helps you track further communications.
- Escalate if Necessary. If you cannot obtain the details within a reasonable time (usually 15 business days under § 83-11-119), file a complaint with the Mississippi Department of Insurance at MID Consumer Complaint Portal.
Helpful Hints
- Keep a log of all calls: note date, time, person spoken to, and summaries.
- Save emails and screenshots from your insurer’s portal.
- Always reference your policy number when communicating.
- Ask for escalation contacts (supervisor or manager) if responses lag.
- Review your policy’s proof-of-loss and claim-reporting deadlines carefully.
Disclaimer: This article is for educational purposes only. It does not constitute legal advice. Always consult a qualified attorney or licensed insurance professional for guidance on your specific situation.