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A major hurricane is every insurance person’s nightmare, not only for the destruction and harm it will inflict, but also for the crushing workload it will bring in the weeks and months afterward. While no one wants to dwell on it, the harsh reality is that insurance-related chaos ensues after a hurricane or natural disaster. An agency’s only hope of properly serving its clients is to develop a sound, workable, written agency plan. Needless to say, a plan that is not in writing is not a plan at all! It is the hope of the FAIA Catastrophe Zone Coordinators Task Force, which developed these guidelines, that each agency will invest the time, thought and effort necessary to prepare a plan.

Resource TitleDescriptionRating
Agency Office Checklist

Here is a list of items agencies should have on hand before disaster strikes.

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Agency Personnel Plan Having pre-defined job descriptions for volunteers and temporary workers will help alleviate chaos in the agency after a storm.
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Agency Plant Assessment

Assess your agency plant before disaster strikes so you are prepared to serve clients in the days after.
 

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Agent's Memo of Loss Use of a standard memo of loss is important during the heavy workload and confusion following a catastrophe, and can help expedite the claims process. One or two individuals should be available to type or complete the ACORD forms using the Agent's Memo of Loss (PDF) and the insureds file. 1 2 3 4 5
Before Leaving the Office...

Questions to ask before leaving the office before a hurricane (answers should all be yes!). 

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Buddy System Your Catastrophe Task Force actively seeks ways to help agencies be more effective before and after a catastrophe. It is with this fact in mind, that we created the buddy system. 1 2 3 4 5
Cat App in Google Play The Agency Catastrophe Guide has gone mobile, and just in time for hurricane season. The “Cat App” includes weather updates, contact information for Catastrophe Zone Coordinators, agency checklists for before and after a storm, access to claims numbers, and a whole lot more. 1 2 3 4 5
Cat App in iTunes The Agency Catastrophe Guide has gone mobile, and just in time for hurricane season. The “Cat App” includes weather updates, contact information for Catastrophe Zone Coordinators, agency checklists for before and after a storm, access to claims numbers, and a whole lot more. 1 2 3 4 5
CBS News Disaster Links CBS NEWS DISASTER LINKS contains updated websites for quick reference. 1 2 3 4 5
Claims Handling

First things first: Get company claim numbers to insureds (ideally, this should have been done before the storm ). 

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Claims Log Agencies should document those resulting from a catastrophe for future company negotiations and relations. The Catastrophe Claims Log (PDF) may be used for this purpose. Maintain a separate claims log for each carrier. 1 2 3 4 5
Developing an Agency Disaster Plan Here are some tips to help you develop an agency disaster plan. 1 2 3 4 5
Emergency Operation Centers by County The Division of Emergency Management plans for and responds to both natural and man-made disasters. These range from floods and hurricanes to incidents involving hazardous materials or nuclear power. The division prepares and implements a statewide Comprehensive Emergency Management Plan, and routinely conducts extensive exercises to test state and county emergency response capabilities. 1 2 3 4 5
FAIA Statewide Catastrophe Plan

Here’s what agents can expect from FAIA and the Catastrophe Zone Coordinators Task Force when a tropical storm or hurricane is within three days of landfall in Florida.

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Five Ways to Protect Your Home

Make this information available to agency customers well in advance of hurricane season.

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