SUPERSTORM SANDY Atlantic City, New Jersey, October 2012 Presented by Chris Roselli 2013 ACM JIF Retreat

WHAT HAPPENED? OCTOBER 26, CAPE MAY COUNTY BARRIER ISLAND RESIDENTS URGED TO EVACUATE. OCTOBER 27, ATLANTIC CITY CASINOS CLOSED. OCTOBER 28, 6AM - TOLLS SUSPENDED NORTHBOUND ON GSP AND WESTBOUND ON THE AC EXPRESSWAY. OCTOBER 28, PRESIDENT OBAMA SIGNS AN EMERGENCY DECLARATION ALLOWING NEW JERSEY TO REQUEST FEDERAL FUNDING EVEN BEFORE LANDFALL. OCTOBER 29, LANDFALL NEAR BRIGANTINE, NJ Ocean County, New Jersey, October 2012.

UNITED STATES APPROXIMATE DAMAGES SUSTAINED ARE ESTIMATED AT $68 BILLION. THIS IS THE SECOND COSTLIEST HURRICANE IN UNITED STATES HISTORY. SECOND ONLY TO HURRICANE KATRINA AT $145 BILLION. UNITED STATES DEATH TOLL WAS 117 ACCORDING TO THE CDC.

NEW JERSEY DAMAGES ESTIMATED AT $36.8 BILLION ACROSS THE STATE. NEW JERSEY DEATH TOLL WAS 37. 2,000,000 HOUSEHOLDS LOST POWER IN THE STORM. 346,000 WERE DAMAGED OR DESTROYED RELATIVELY LITTLE WIND DAMAGE. MOSTLY FLOOD DAMAGE.

ATLANTIC & CAPE MAY COUNTY  SHORTLY BEFORE THE STORM HIT, IT WAS FORECAST TO PROCEED INTO DELAWARE BAY, WHICH WOULD HAVE DEVASTATED ATLANTIC AND CAPE MAY COUNTIES.  THE STORM VEERED TO THE NORTH SPARING ATLANTIC AND CAPE MAY COUNTIES FROM THE WORST EFFECTS OF THE STORM.

ATLANTIC COUNTY MUNICIPAL JIF DAMAGE ESTIMATES ARE APPROXIMATELY $2,182, THIS INCLUDES DAMAGES OF $350, IN DAMAGES FROM DRIVEN IN VEHICLES. THIS AMOUNT OF $2,182,392 IS GREATER THAN THE NORMAL CATASTROPHE CLAIM THAT WE GET ON AVERAGE ACROSS ALL OF MELJIF.

LESSONS LEARNED FROM SANDY? IT IS VITAL FOR THE MEMBER TO HAVE A POINT PERSON WHO CAN GATHER ALL OF THE DAMAGE INFORMATION FOR SUBMISSION TO THE JIF, THE EXCESS CARRIER OR TO FEMA. THIS PERSON WOULD ALSO SEE THE REMEDIATION AND REPAIRS THROUGH TO CONCLUSION. IT CAN BE A VERY LARGE JOB. ONE MONMOUTH JIF MEMBER SUBMITTED 19,000 PAGES OF DOCUMENTS CAPE MAY, NJ OCTOBER, 2013

LESSONS LEARNED FROM SANDY FEMA PAYING 90% OF MEMBER CLAIMS NOT COVERED BY INSURANCE FEMA PAYING FOR 30 DAYS OF DEBRIS REMOVAL. THE MEMBER GETS TO PICK THE 30 DAY RUN THAT BENEFITS THEM BEST. WE STRONGLY URGE MEMBERS NOT TO SECURE THE SERVICES OF A PUBLIC ADJUSTER OR LAW FIRM CLAIMING TO BE ABLE TO SECURE MORE MONEY THAN THEY WOULD HAVE GOTTEN THROUGH JIF INSURANCE AND FEMA. THERE ARE MANY ARGUMENTS AGAINST THAT, BUT THE MOST GLARING IS THE FACT THAT THESE FIRMS ARE TAKING NO LESS THAN 10% OF THE ENTIRE CLAIM FOR THE ENTITY. IN NO CASES THAT I KNOW OF NOW, ARE THEY SECURING ANY EXTRA MONEY FOR THE ENTITY, AND CERTAINLY NOT AN EXTRA 10% OF THE ENTIRE CLAIM. THE ENTITY’S EMPLOYEES ARE STILL DOING ALL OF THE LEGWORK. ANYTHING NOT BEING COVERED BY INSURANCE, IS BEING COVERED BY FEMA AT 90%

LESSONS LEARNED FROM SANDY. CONTACT FEMA, FEMA.GOV, OR (800) , OR BY SMARTPHONE AT M.FEMA.GOV WHY? ASSISTANCE – FEMA WILL PAY WHAT INSURANCE WON’T, GENERALLY SPEAKING MITIGATION – FEMA WILL PAY AN AMOUNT UP TO THE DAMAGE AMOUNT FROM THE CLAIM TO GO TOWARDS PREVENTING THE CLAIM FROM HAPPENING AGAIN

THINGS TO THINK ABOUT DO YOU HAVE A PLAN IN PLACE? PLEASE VISIT READY.GOV/BUSINESS READY.GOV/HURRICANES FLOOD POLICY REQUIRED FOR ANY OF YOUR BUILDINGS? REGULAR MAINTENANCE CAN PREVENT LARGE EXPOSURES(DEAD TREES, EXTERIOR BUILDING MAINTENANCE SUCH AS ROOFS AND TRIM). SHOULD YOU BOARD UP WINDOWS? WHAT IMPORTANT DOCUMENTS ARE YOU STORING? ARE THEY STORED PROPERLY? CAN THEY BE RAISED TO A HIGHER LEVEL. CAN THEY BE SCANNED? HOW ABOUT YOUR COMPUTERS/COMMUNICATION SYSTEMS? WHAT CAN YOU DO TO PROTECT THEM? LIGHTNING PROTECTION IN PLACE? BACK THEM UP AND TAKE INFO HOME DOES YOUR GENERATOR HAVE THE CAPABILITY TO RUN THE PORTIONS OF THE BUILDING YOU WILL NEED IT TO RUN? IS IT RUNNING PROPERLY? REGULAR MAINTENANCE? REMEMBER, HURRICANES ARE KNOWN FOR WEEKS. NOR’EASTERS DO NOT HAVE THAT KIND OF WARNING!

YOU WILL NOT HAVE A PROBLEM IF YOU DO WHAT YOU NEED TO GET BACK IN THE BUILDING THIS INCLUDES, BUT IS NOT LIMITED TO: CONTACT A REMEDIATION COMPANY ALL RISK: RAPID RECOVERY: SERVPRO: RENT OFFICE TRAILER(S) WILLIAMS SCOTSMAN: BOARD UP WINDOWS LOCAL CONTRACTORS REMEDIATION COMPANIES ABOVE WILL ALSO DO THIS

TAKE PHOTOS OF ANYTHING ABOUT TO BE REPAIRED/DISCARDED PLEASE REMEMBER: KEEP ALL RECEIPTS AND RENTAL AGREEMENTS SPOLIATION LESSONS LEARNED FROM SANDY.

PLEASE CONTACT US ALICE LIHOU – CHRIS ROSELLI WHEN YOU HAVE A SEVERE CLAIM, CATASTROPHIC WEATHER OR OTHERWISE, THE SOONER WE KNOW WHAT IS DAMAGED AND HOW SEVERELY IT IS DAMAGED, THE SOONER WE CAN GET THE PROPER HELP TO YOUR DOORSTEP.

QUESTIONS? THANK YOU!