1 / 15

Comprehensive Guide to Disaster Planning and Insurance in Texas

This resource provides a detailed overview of disaster planning and insurance considerations in Texas. It covers various types of disasters, including floods, tornadoes, and pandemics, and emphasizes the importance of reviewing insurance coverages and understanding claims processes. Key topics include loss control, business continuity, employee safety, and safeguarding both physical and information assets. Additionally, it offers guidance on insuring against disasters, managing complaints, and accessing valuable resources for disaster preparedness.

kurt
Télécharger la présentation

Comprehensive Guide to Disaster Planning and Insurance in Texas

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  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?

More Related