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. An agency’s greatest hope of properly serving its clients is to develop a sound, workable, agency plan.
FAIA has consolidated all resources realted to Hurricane Milton in a central location.
NOW VIEWING: Disaster Command Post
This is a carrier directory prepared by the Florida Office of Insurance Regulation contains the claims phone numbers for all property insurance companies that do business in Florida.
After a storm strikes, insureds should prevent further damage to their home or business, and document any steps they take to do so.
FAIA volunteers, staff, and state partners developed this plan, which is designed to help agents prepare their business for a hurricane and respond to customers afterward. (PDF)
A list of items agencies should have on-hand before disaster strikes.
Assess your agency plant before disaster strikes so you are prepared to serve clients in the days after.
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.
Florida Insurance Consumer Advocate Tasha Carter has put together an overview of Assignment of Benefits (AOB) and what you should know before signing an agreement.
Questions to ask before leaving the office before a hurricane (answers should all be yes!).
FAIA conducted a post-Irma agency survey and convened an industry panel to discuss what went right and what went wrong in the post-cat claims processing. That discussion formed the foundation for this report.
Whether an E&O claim is potential or actual, the Swiss Re Corporate Solutions claims team urges agents to submit all claims that may result from the volume of customer claims activity following a natural disaster such as a hurricane.
This Atlantic Basic Hurricane Tracking Chart is produced by the National Hurricane Center in Miami.
Agencies should document those resulting from a catastrophe for future company negotiations and relations. The Catastrophe Claims Log may be used for this purpose. Maintain a separate claims log for each carrier.
FEMA-produced infographic to remind people to collect and protect important documents (including insurance information!).
This FEMA-produced graphic compares the cost of flood insurance to the cost of flood damage using the metaphor of a drop in the bucket. Download from the FEMA website and share on social media or embed on your website.
Graphic compares the cost of flood insurance to the cost of flood damage.
This information was developed from the ISO policy. All policies are different, and this primer is intended to be used only as a guide and not to determine coverage.
Here are some tips to help you develop an agency disaster plan.
The Division of Emergency Management maintains this webpage, which lists links to all of Florida's county emergency management websites.
Purchase a generator that can run all mission critical equipment. Look into whole office generators. An alternative approach is to contract with a firm that will drop off and activate a generator in the event of a loss of power.
Whether it's redundant phone systems or a call center, don't leave your ability to communicate with companies and customers to chance.