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

JEFFERSON CITY, Mo. – Following this weekend’s winter weather 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 DCI’s Consumer Hotline at 800-726-7390 or visit insurance.mo.gov.

“Insurance is not always the first thing people think about when they’re preparing for winter storms, but it is a vital part of any emergency plan and critical to the recovery process,” DCI Director Angela Nelson said. “If you’re dealing with damage, confusion about what your policy covers, or trouble getting answers, let us be your first call. We’re here to help every step of the way.”

After a winter storm, consumers should be alert to potential losses related to frozen pipes, roof damage, power outages and vehicle damage. Document any damage as soon as it is safe to do so, take photos before making temporary repairs, keep receipts for emergency fixes, and contact your insurance company promptly to begin the claims process.

A typical homeowners policy covers the repair of frozen pipes and the damage they cause. Exceptions can apply when the dwelling is vacant or under construction, unless you use reasonable care to maintain heat in the building or shut off the water supply and drain the system and appliances of water. Most homeowners policies also cover damage to or collapse of an insured building or any of its parts caused by the weight of ice, sleet or snow.

Most homeowners policies also include at least $500 for food loss in the event of a power outage caused by an ice storm. Actual coverage will vary by insurance company, and in some cases, it may not be automatically included. Food spoilage coverage may only be available if you purchase an optional endorsement for an additional premium, so be sure to check with your insurance agent for more information.

Comprehensive auto insurance policies generally cover damage to your vehicle caused by ice, such as falling ice or tree limbs broken by ice. If ice falls from another vehicle onto yours while driving, be sure to file a claim under your comprehensive or collision coverage.

Winter weather can also impact docks, boat lifts and other waterfront structures. Coverage for these items depends on how the structure is insured. Some homeowners policies may offer limited coverage for attached structures, while separate policies or endorsements are often required for docks and other structures extending over water. Damage or collapse caused by the weight of ice or snow may be covered, but wear and tear, deterioration, or lack of maintenance typically are not. Consumers should review their policies and talk with their agent to understand how these structures are insured.

“While insurance can help you recover after the damage is done, it’s important to take steps to reduce risk in the future,” Director Nelson said. “A little preparation can go a long way toward protecting your family, your home and your vehicles during winter weather.”

Avoid an insurance claim by protecting your home and property this winter:

• Practice winter fire safety – keep space heaters at least three feet away from anything that can burn, never use them while you sleep or when you are away from home, and test smoke alarms at least once a month.
• Leave your faucet running with a slight drip and open cabinet doors under your sinks.
• Cut back dead or broken branches around your property, and clear debris from your gutters to help prevent ice dams by allowing melted water to drain freely.
• Evaluate the insulation and ventilation in your attic to keep warm air in your home.
• Perform routine maintenance checks on your vehicle, keep your gas tank full, and stock an emergency supply kit. For additional winter weather safety tips, Missourians are encouraged to follow the Missouri Department of Public Safety, the Missouri State Emergency Management Agency and the Missouri Department of Transportation.

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. and the Missouri Department of Transportation.

Published Date

Mon, 01/26/2026 - 09:00