Responding to Hurricane Irma
IMA strongly recommends you wait until the area is declared safe by the local authorities before returning to your business location. Recovering from a natural disaster is a gradual process. IMA is here to assist you with that process and the return of your company to business as usual.
9.8.17 UPDATE --- Per the National Hurricane Center, Irma is moving toward the west-northwest near 14 mph and this motion is expected to continue for the next day or so with a decrease in forward speed. A turn toward the northwest is expected by late Saturday. The eye of Irma should move near the north coast of Cuba and the central Bahamas today and Saturday, and be near the Florida Keys and the southern Florida Peninsula Sunday morning. Maximum sustained winds are near 150 mph (240 km/h) with higher gusts. Irma is forecast to remain a category 4 hurricane as it approaches Florida. the Hurricane Warning is in effect for Jupiter Inlet southward around the Florida peninsula to Bonita Beach, Florida Keys, Lake Okeechobee, Florida Bay and Southeastern Bahamas and the Turks and Caicos Islands. The Storm Surge Warning has been extended from Jupiter Inlet northward to Sebastian Inlet and from Bonita Beach northward to Venice.
Tips to safeguard your property:
- Board up the premises
- Anchor or move equipment where necessary
- Inspect and repair roof coverings and edges
- Install shutters or otherwise secure windows and doors
- Brace/secure outdoor signs and furniture or move to a protected area
- Clean gutters to ensure roof water drainage
- Block water from doorways with sandbags or water tubes
- Check generators and make sure they are filled with fuel and are working
- Check, clean and test all electrical distribution equipment and system components exposed to flood water or humidity or hire a contractor to complete
Following your Property Loss:
- Do not access the property until the water has receded and local authorities have deemed the area safe to enter
- Check the flooded buildings for structural stability before entering
- Survey for safety hazards such as live wires, leaking gas or flammable liquids
- Repair dangerous conditions
- Make repairs to avoid further damage and to get your business up and running
- Separate damaged property from undamaged property. Do not discard damaged property if possible.
- Save evacuation notices from local authorities
- Document all damage by taking photographs
- Arrange for a water restoration company/contractor to start the restoration process to prevent further damage and to assist in post-loss repairs. If
names of restoration firms are needed, our IMA claims team will provide names of available restoration firms.
- If you engage a vendor/contractor for mitigation purposes, keep all receipts, contracts and documentation for the claims adjuster to review
- Contact your insurance carrier directly or contact IMA to report the claim
Document your loss:
- Invoices for any mitigation efforts, including temporary repairs made to secure the property from additional loss
- Repair estimates
- Damage to inventory or equipment
- Employee time for cleanup and mitigation efforts
- Cleanup costs
If you have a business interruption claim, you may be asked to provide the following items:
- Profit and Loss statements (the time period will be determined by your carrier)
- Extra expense documentation necessary to continue operations
Business interruption coverage is intended to compensate your company for the income lost during the period of restoration or the time necessary to repair or restore the physical damage to your covered property. Your insurance carrier should be working with you to ensure you receive the lost profit you would have otherwise earned had the loss not occurred.
Most business interruption claims will have a separate deductible from the damage to covered property. This usually involves a time element, rather than a monetary amount. i.e. a 24, 48, or 72 hour waiting period.
Coverage for a loss is dependent on many factors, including cause of loss, exclusions, endorsements, limits, deductibles and specific facts of loss. IMA will advocate for the broadest possible coverage to maximize your overall recovery. Should there be any disputes, IMA will also assist you in working with the insurance company to re-evaluate its position. Should you have any questions, please contact your IMA Claims Advocate or your Account Executive. You can also contact:
- Carol Riggs (Claims Manager Denver) – Office: 303-615-7486; Cell: 720-935-4329; Email: Carol.Riggs@imacorp.com
- Brett Taylor (Claims Manager Kansas City, Wichita, Dallas) – Office: 913-982-3483; Cell: 816-799-3800; Email: Brett.Taylor@imacorp.com
- Michelle Troppito (IMA Head of Claims) – Office: 913-982-3687; Cell: 913-206-7875; Email: Michelle.Troppito@imacorp.com
Below is a link to the National Hurricane Center website. Click here for the latest storm updates. http://www.nhc.noaa.gov