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DISASTER PLANNING & INSURANCE

DISASTER PLANNING & INSURANCE. JACK EVINS. TEXAS DEPARTMENT OF INSURANCE. TOPICS - OVERVIEW. Disaster planning Reviewing your insurance coverages Claims and complaints Resources Questions & Answers. TEXAS’ DISASTER EXPOSURES. Flooding Hail & ice storms Tornadoes Tropical systems

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DISASTER PLANNING & INSURANCE

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  1. DISASTER PLANNING & INSURANCE JACK EVINS TEXAS DEPARTMENT OF INSURANCE

  2. TOPICS - OVERVIEW • Disaster planning • Reviewing your insurance coverages • Claims and complaints • Resources • Questions & Answers

  3. TEXAS’ DISASTER EXPOSURES • Flooding • Hail & ice storms • Tornadoes • Tropical systems • Wildfires • “Accidental” man-made disasters • “Intentional” man-made disasters • Pandemic disease

  4. DISASTER PLANNING • Preemptive mitigation • Loss control – liability • Other risk management • External dependencies • Suppliers • Customers

  5. DISASTER PLANNING • Business continuity • Safety of employees • Safeguarding assets • Physical property • Information assets • Evacuations & remote operability • Secondary location • Communications

  6. INSURING AGAINST DISASTERS • Review insurance coverages • Commercial insurance • Property • Liability • Business interruption • Flood • Windstorm

  7. INSURING AGAINST DISASTERS • Important considerations • Replacement cost vs. actual cash value • Deductibles • Endorsements – add/delete coverages • Know who you’re dealing with • Licensed insurers/agents • Surplus lines insurance

  8. HURRICANE RITA COMPLAINTS • Coverage for losses due to mandatory evacuation • Coverage for losses due to power outages • Slow claims inspections, processing

  9. TDI & Consumer Complaints • What can TDI do about violations? • How to check on complaints against a company or agent • Report fraud! 1-888-327-8818 or online atwww.tdi.state.tx.us/fraud/onlinereport.html

  10. TDI DISASTER RESOURCES • Information & assistance available • Publications • Consumer HelpLine • “StormLink” web page http://www.tdi.state.tx.us/commish/storms/ index.html

  11. TDI WEBSITE RESOURCES

  12. TDI WEBSITE RESOURCES

  13. OTHER RESOURCES • Governor’s Division of Emergency Management (GDEM): http://www.txdps.state.tx.us/dem/pages/index.htm • Texas Cooperative Extension “Preparing Your Business for Disasters” http://texashelp.tamu.edu/001a-hot-topics/prepare-your-business-for-disasters.php

  14. CONTACT TDI On the web: www.tdi.state.tx.us • By phone: 1-800-252-3439 (Monday – Friday, 8 a.m. – 5 p.m.)

  15. Questions?

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