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Essential Hurricane Preparedness Tips: Evacuation, Insurance, and Claims Overview

Prepare for hurricane season with key insights from Hurricane Jeanne (2004). This guide emphasizes the importance of individual responsibility in personal preparedness. It covers legal liabilities, evacuation planning, and necessary claims processes for property damage. Ensure you have appropriate homeowners, renters, and flood insurance. Understand your evacuation options based on hurricane categories and follow your unit commander's orders for safe travel. Be informed about the Personnel Claims Act for damage reimbursement. Stay smart and safe this hurricane season!

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Essential Hurricane Preparedness Tips: Evacuation, Insurance, and Claims Overview

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  1. HURRICANE TIPS JULY 2008 Hurricane Jeanne 2004

  2. OVERVIEW • Tampa hurricane history • Legal Liabilities • Evacuation Planning and claims

  3. “BE PREPARED” • Personal Preparedness is an INDIVIDUAL responsibility! • Everyone should: • Obtain homeowners/renters and flood insurance, as appropriate • Plan for the protection or evacuation or your personal property – including vehicles

  4. MACDILL PERSONNEL EVACUATION The Wing Commander must order an evacuation before anyone is entitled to travel expenses. CAT 1, 2, OR 3 = LOCAL AREA “SAFE HOUSE” < 100 miles* CAT 4 OR 5 = POSSIBLY OUT OF AREA “SAFE HAVEN” > 100 miles* * May Be limited by unit commanders

  5. Hurricane Evacuation • Evacuation must be ordered by 6 AMW Commander • Once ordered, active duty/DoD civilians and their dependents living in affected surge zones (on or off base) or in mobile homes will be eligible for travel expenses. • If you evacuate prior to the order, expenses incurred before the order are not reimbursable

  6. Claims for Loss • Personnel Claims Act (PCA) • Provides for prompt & fair payment for property damage • Limits payments per item & per claim • Typically pays the “depreciated” value not replacement cost • Not a substitute for private insurance • Claims for Loss or Damage Caused by a Hurricane • Only available to personnel in government quarters • Limited coverage for personal property & vehicle damage • Not a substitute for Renter’s or Automobile Insurance • Renter’s Insurance -- Highly Encouraged • Greater flexibility & value - tailored to your specific needs • “Endorsements” allow add-ons for high value items

  7. Be smart & safe this Hurricane Season. Hurricane Jeanne 2004

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