Practical Steps to Hurricane Loss Management Rick Osorio, Director of Insurance Diocese of St. Petersburg

Pastoral Center Hurricane Preparedness Guide Hurricane Committee Members & Bishop’s Support Team

Katrina and Rita’s Wrath In Louisiana, primarily in the southern portion of the state, and in Biloxi, Mississippi, 4 Diocese and one Arch Diocese were affected by these storms Damages caused totaled $81 billion

Coastal Properties at Risk Evacuation levels A & B

Causes of damages Windstorm Flood Rain

Windstorm damage Damage to property caused by wind blowing over items, or propelling something into your building

Flood Damage Can originate from an overflow of a nearby inland body of water, or Water surge from a hurricane if you are near coast line Not being in a flood zone is no guarantee that you are protected from hurricane surge

Rain damages Can come in through damaged roofs and windows Not considered flood

How are property and contents insured and adjusted ? Building and contents are insured on a replacement cost basis. For most items, this means that if they can’t be repaired for less than their insured value, they will be replaced. Building damage is either repaired or the building is deemed a total loss and replaced It is critical that up to date values, including building improvements are reported to the Insurance Office annually

Business Continuity Coverage Usually pays expenses in relocating to another site while repairs take place Only key personnel to be paid Key utilities and services to be paid Loss of tuition would be covered Loss of mass offerings are not

Call Catholic Mutual Group Advise operator you have a hurricane claim to report. You will be transferred directly to a claims representative A field adjuster will be assigned to your claim. Take note of the claim number and name and phone number for the field adjuster

Assess your damages, walk around your property safely Take photos and make notes, and organize them per building, area of your property. Organized presentation of your loss is key. Do not throw away items Contact contractors who can write estimates Make the property safe, for you and staff After Reporting your Claim---

Be prepared for the adjuster Present your claim documents, receipts, estimates and photos. Make sure you have copies Catholic Mutual will work with adjuster to determine the loss of your claim and work with contractors to begin repairs of your property

In closing…. and other thoughts….. Prepare a disaster plan with your staff. Rehearse it, making it a living document Keep it simple ( Url=/OnePlan/) Back up storage to a remote location Move vehicles and mobile equipment to a safe site Have at least one alternate site that you can operate from chosen before storm Monitor volunteer assistance. Safety first.