During this high volume claim reporting period, you should anticipate the following: Your Gallagher representative will be available to answer your specific policy and claim questions. Throughout the claim investigation process, you may have various coverage-related questions. Include your Interior & Exterior Asset Inventory, with pre-hurricane photos and/or videos.Ĭlaims Process for Insurance: What to expect.Preliminary Damage Assessment Report, and document photos and/or videos of the damage, if possible.In order for a claim to be initiated and an investigation to being, the claim handler must have as much detail as possible. We recommend the following preparations when a hurricane watch is issued: Have your hurricane resources in hand and be ready to act in case a warning is issued. In the event of an evacuation, be prepared to bring essential items from the Evacuation Checklist. You need to know the difference between a Hurricane Watch and Hurricane Warning. You won't have much time to react once a hurricane is imminent. What to do when a Hurricane Warning or Watch is Issued You want to ensure your most important asset, your employees, understand what to do and where to go for information if a hurricane occurs.Īudit inventories and stock essential supplies before hurricane season. Contract with a security company to provide 24-hour security immediately after the storm.Make sure your property is equipped with items on the Disaster Supply List.Update your Social Media and Disaster Communication Plan.Update your Crisis Communications Planning Checklist.Ensure your Emergency Listings are up-to-date.Ensure up-to-date Exterior and Interior Asset Inventories are documented and photos and/or video are included.Review, revise and communicate your internal communication plan to ensure your employees know what to do and where to go for information in the event you are faced with an hurricane. Be sure your Business Continuity Plan has been updated and communicated, as well as your Business Interruption and Extra Expense Claims.We have included below sample documents for you to create a hurricane emergency kit for your business: Meet with your emergency response team in preparation for the upcoming season to review and update the following to prepare your business and your employees for the hurricane. To assist you in hurricane preparedness, we've put together a Hurricane Preparedness Checklist and Flood Preparedness Checklist.Įmergency Response Team and Business Continuity Planning Water backup coverage via drains, sewers, pumps.Civil authority coverage (limits and triggers).Ingress/egress coverage (limits and triggers).Deductible(s) for property damage (% deductible). Items to confirm for named storm, wind and flood exposures include: It's critical to secure the appropriate coverage, understand what is covered under your current property policy and update existing property schedules. The time to start talking with your Gallagher representative is before a hurricane season begins (before May). Pre-Planning: Before Hurricane Season Begins
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