2012 Hurricane season- Tropical Depression 11 now forms in Eastern Atlantic as Isaac approaches Gulf Coast

August 28, 2012

When it rains it pours!

The Hurricane Center reports in the 5pm ET report that Hurricane Isaac winds are now 80 mile per hour as it approaches the Louisiana coast.

You will also notice on the NOAA link that they have now issued the first advisory for Tropical Depression Eleven in the Eastern Atlantic expecting it to soon research Tropical Storm status.

You can locate both here:

www.nhc.noaa.gov

For wonderful graphics, I also recommend viewing Ralph Tropical Weather’s hurricane site on both on this link:

http://ralphstropicalweather.homestead.com/RalphTropicalWeatherOut.html


Important information on handling claims in Alabama you may need if working claims in Alabama for Hurricane Isaac

August 27, 2012

Here is important information claim professionals will need if they plan to work claims in Alabama as a result of Isaac to include the Governor emergency declaration, the link for AL emergency adjuster licenses, and claim handling information as well as links to breaking news from the Mobile Press register:

Alabama

Alabama Windpool Info and Links:

https://aiua.org/

Basic AL windpool policy info:

https://aiua.org/pages/basic_coverage

Alabama Emergency Management Website and Contact Numbers:

http://ema.alabama.gov/

Alabama Governor Robert Bentley’s office issues Declaration of Emergency and Evacuation Orders:

http://www.governor.alabama.gov/news/news_detail.aspx?ID=6894

Alabama Department of Insurance link for Emergency Adjuster licenses now that Emergency Declaration Order has been issued for Isaac:

http://www.aldoi.gov/Licensing/EmergencyAdjusterInfo.aspx

Alabama Claim Handling Regulations as posted on Property360.com:

http://publish.sbmcloud.com/media/pdf/pc360/claims-guidelines/Alabama.pdf

Alabama Department of Insurance Claim Handling Regulations for Property and Casualty Claims:

All of these shown regulations below can be found here:

http://www.alabamaadministrativecode.state.al.us/docs/ins/index.html

CHAPTER 482-1-125 STANDARDS FOR PROPERTY/CASUALTY INSURANCE CLAIMS

http://www.alabamaadministrativecode.state.al.us/docs/ins/index.html

CHAPTER 482-1-135 MEDIATION ALTERNATIVE PROCEDURES FOR RESOLUTION OF DISPUTED PERSONAL LINES INSURANCE CLAIMS ARISING FROM HURRICANE, TROPICAL STORM, TORNADOS AND OTHER DISASTERS DAMAGE

CHAPTER 482-1-150

ESTIMATION OF REPLACEMENT COST OF INSURED DWELLINGS

Breaking news link at Alabama Press Register:

http://blog.al.com/live/index.html


Upcoming Claim Committee Teleconference for Citizens Insurance of Florida is today 4/13/12 9:30-to 11:30 ET

April 13, 2012

I know many of you are certified or in the process of certifying to work Citizens of Florida Insurance Corporation– CPIC- catastrophe and non catastrophe claims as independent adjusters.

Here’s your chance to get a current update on their staffing model in the event of a storm and much more information as outlined on today’s teleconference which takes place from 9:30-11:30 ET. As far as I know, all are still welcome to join in the teleconference. I have seen on prior meeting minutes where folks call in even just as citizens of the state of Florida.

The teleconference information for call in as shown on their Board of Governor meeting link is listed as:

Claims Committee Meeting

When: April 13, 2012 9:30 – 11:30am EDT

Where: Teleconference

Teleconference: 866-361-7525 Code: 5219676193

For a complete list of documents and the agenda, here is the current link on Future Meetings link  here:

https://www.citizensfla.com/about/mDetails_boardmtgs.cfm?show=PDF&link=/bnc_meet/docs/445/00A_Claims_Agenda_04_13_2012.pdf&event=445&when=Future

Note that this same information with very informative documents is usually moved to the Past Meetings link  after the meeting so if you are wanting to view this information after today’s meeting, here is the link to Past Meetings here:

https://www.citizensfla.com/about/past_boardmtgs.cfm

I’ll make another post later today with my comments regarding the staffing model of 120 days as proposed in the February meeting minutes that is presented for approval today as well as other things mentioned in the well prepared minutes from February.

The advantage of sitting in on the teleconference is not having to wait more than a month to know what happened at the committee meeting as it takes them quite a while to get the minutes posted in preparation of their next scheduled Claim Committee hearing.


Our Prayers are with those in MS and LA flood zones this weekend- Articles says if spillway not opened that flooding in New Orleans could be worse than during Katrina

May 13, 2011

I had started to post a few humorous claim stories for some light hearted claim news this weekend but after checking on the status of the flooding expected in MS and LA and watching some news reports, I’d rather share this Reuters news story discussing projected flooding in MS and LA including the statement that should the spillway not be opened tomorrow that New Orleans will suffer more flooding than post Katrina:

http://news.yahoo.com/s/nm/20110513/us_nm/us_flooding

I think when independent adjusters were hoping for assignments this year, no one ever could have asked for the severe amount of tornado damage and flooding damage which has happened just in the past few weeks.

Our thoughts and prayers are with the victims AND the adjusters and claims personnel working in these storm zones.


Claim numbers reported thus far as a result of April 2011 Tornado damage

May 9, 2011

AIR is reporting 65,000 claims reported thus far in Alabama as a result of the April 2011 tornado damage with an estimated 3.7 to 5.5B in damages according to this  PropertyCasualty360 report. There is also a May 6, 2011 Press Release from the Alabama Department of insurance verifying these numbers and indicating that 2,000 adjusters had already arrived in their state with more expeced.

The comments made by Jim Loveland, President and CEO of Xactware Solutions  in this April 28, 2011 CEO  blog also indicate access to XactAnalysis is up to an all time high record up 60% over 2010 numbers due to the April storms. View his complete blog post here.

Missouri Insurance Regulators are quoted as stating 7,000 homeowner and auto claims had been filed as of May 2, 2011 as a result of the tornado in St Louis, MO in this article which provides a breakdown on the claims reported there.

One of the most interesting updates on the tornado damage is found in this May 9, 2011 report by NOAA updating the April 2011 tornado and fatality numbers. You will also find this Huffington Post article excellent as far as providing historical information on US history and indicating these twisters were the 2nd deadliest in US history.

We were not able to locate numbers on the TN claims and MS claims but will update the blog as numbers come in.

Our thoughts and prayers are with the adjusters working these claims full of emotional issues for homeowners and residents who have suffered severe damage and loss of life in their communities and families.

Update Tuesday 5/10/2011: Georgia and Mississippi Claim Statistic info is now added in this link.


Claim Litigation Update Re: Florida decision on Collateral Source Rule when dealing with a HO and Flood claims

January 17, 2011

Found this blog post over at Merlin’s Law Group blog  today- a must read for all adjusters handling flood claims and homeowner claim in Florida:

http://www.propertyinsurancecoveragelaw.com/2011/01/articles/insurance/more-on-the-collateral-source-rule/


Eternal Father Strong to Save- A prayer for Americans during the BP Gulf Coast Oil Spill Recovery- Open Letter 3 to President Obama and Admiral Thad Allen

June 15, 2010

President Obama is speaking from NAS Pensacola, FL as I write this. It is the most support I have seen him express to the brave men and woman serving in the US Armed Forces  since he began his Presidency. I am taking this particular speech very personally as my father, my brother, and my brother in law are all buried at Barrancas National Cemetary at NAS Pensacola.  I cannot bear the thought of the memories of our childhood being destroyed with the gulf oil tar nor of disturbing the area so others can  grow up with the same wonderful memories our family shares from the area during our youth when my father was stationed there.

I still  have family in the area including my nephew Ryan who is attending college at the University of West Florida  following in the foot steps of my wonderful father and brother who also attended the University of West Florida in Pensacola, FL. His degree is going to be in the marine industry. He too is watching his dreams disturbed by the worst environmental disaster in Amercian history as he faces unemployment working part time in the beach restaurant industry as a means of income to help cover his expenses while in college.

President Obama- thank you for doing us proud with your military speech in Pensacola and for finally showing our military of all branches the respect and honor they so much deserve. As a military brat as us military children are known as, we do know the sacrifices having watched our fathers depart on Naval aircraft carriers, departing for war, and the fear and sadness we experience as we support our brothers, sisters, neices, nephews, sons, daughters, and our fathers as they protect Amercians at assignments both at home and have to regularly leave us to go abroad to protect us around the world.

I’ll end this thanks with the words of my very favorite navy hymn heard every Sunday growing up on military bases and attending church at military chapels where our father was stationed.  If you really listen and read the words, I think you will agree this song represents all of our prayers for our military, our national guard members, our claims adjusters who will have to work in these coastal environments during hurricane season, and our BP responders constantly exposed to the oil spill tar and disperants as they clean up our beaches and marshlands and experiencing illness as a result. We also extend this as a prayer to all gulf coast residents suffering from this oil spill :

             Eternal Father Strong to Save – Original Version

             The original words are:

Eternal Father, strong to save,
Whose arm hath bound the restless wave,
Who bidd’st the mighty ocean deep
Its own appointed limits keep;
Oh, hear us when we cry to Thee,
For those in peril on the sea!
O Christ! Whose voice the waters heard
And hushed their raging at Thy word,
Who walkedst on the foaming deep,
And calm amidst its rage didst sleep;
Oh, hear us when we cry to Thee,
For those in peril on the sea!
Most Holy Spirit! Who didst brood
Upon the chaos dark and rude,
And bid its angry tumult cease,
And give, for wild confusion, peace;
Oh, hear us when we cry to Thee,
For those in peril on the sea!
O Trinity of love and power!
Our brethren shield in danger’s hour;
From rock and tempest, fire and foe,
Protect them wheresoe’er they go;
Thus evermore shall rise to Thee 
Glad hymns of praise from land and sea.

For links to the origins and history and other more modern versions of this song, visit this link:

http://en.wikipedia.org/wiki/Eternal_Father,_Strong_to_Save#Lyrics

**Note the Episcopal version is also very appropriate and shown on the link above

I find the following musical version very comforting at times like these and hope you will enjoy the music and pictorial vision as well:

http://www.cyberhymnal.org/htm/e/t/eternalf.htm

Please pass this on in hope it brings a focus to the faith that God will protect us and keep us safe. Especially for the families of the victims killed in this BP Oil explosion. Our prayers are with you every single day. Just click on the title to this blog today and you can then copy and paste it into an email to your friends and family suffering through this disaster or serving in recovery efforts.

Respectfully,

Debbie Moroy, AIC,IIA  ClaimSmentor Founder www.claimSmentor.com