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... is the main cause of tower loss. Wind, ice and lightning account for more th...on, following construction safeguards, and by undertaking preventive maintenan...

...protect the agency during a severe wind or rain storm. Determine the safest st... items discussed during the phone call and noting that the claim has been forw...

... ; Forster's regional office, the personal lines underwriter from Amerisure, a personal friend of three members of the Carolinas PIA staff who spent several days offering help to all local members. The majority of our claims were in personal lines, resulting from felled trees, high winds that stripped shingles from roofs and flooding from drenching rains. There has been no preparation for the disaster, other than bringing things like yard furniture inside. So everyone was caught off guard by the severity of the storm. However, one of our carriers, ... personal valuables, household furnishings, and equipment so losses can be authoritatively itemized. 3. Keep your insurance coverage current with rising building replacement costs. Make sure you have enough coverage for the furnishings and other items you've purchased since you first bought insurance. And buy Flood and Earthquake insurance, if you're eligible and vulnerable. 4. Review your insurance policy. Are you sure everything important is covered or did your memory play tricks? Keep it in a safe place where it can be retrieved easily after a disaster. Keep a ... list containing your agent's telephone number, all your policy numbers, and the respective insurance company names. 5. Know how to shut off your gas, electricity, and water, and how to board up vulnerable places around the house, such as doors and windows. 6. Plan a family evacuation and relocation strategy. (The next three items usually are recommended at the time of a hurricane watch or during Earthquake Preparedness' week. However, waiting until then is not a good idea. First, consider the threat of ...

... temporary help you may hire to help you through the period following a catastrophe. Review your catastrophe plan annually. Make any necessary adjustments, and explain the changes to all agency personnel. Prepare Your Office and Staff Develop a plan to protect the agency during a severe wind or rain storm. Determine the safest storage area in the office, and decide the best way to secure and protect equipment and records in that location. Purchase the necessary materials to cover and protect equipment from potential water damage in advance, not the day a ... and answers. Some general questions to be prepared for: How to handle temporary repairs; What to do about debris removal; What mortgage holders are likely to require in the way of estimates; and Information on additional living expense. Since many disasters may result in flood damage, be sure to prepare a checklist that relates specifically to floods insurance coverage. Develop telephone/address list for local repair work. Your customers will look to your agency for guidance in where to go for repairs to their property following a loss. It ... be a service to your clients to provide information on businesses in your community which might be able to handle their needs. This information should be compiled ahead of time and made available to all claims personnel. Be sure to give more than one name for each type of service, so that your clients can make their own decisions. Determine Catastrophe Operating Guidelines Determine, in advance, the requirements and operating guidelines for each of your carriers. How do they want to handle claims? Should they be batched or called/sent in ...