1. Homeowners Insurance post disaster
& How it affects volunteers working on private property
Lancaster County COAD
January 17, 2018

2. Overview
The typical homeowners insurance policy covers damage from a fire, windstorms, hail, riots and explosions—as well as other types of loss such as theft and the cost of living elsewhere while the structure is being repaired or rebuilt after being damaged.

3. From …
events involving tornadoes, including other wind, hail and flood losses associated with tornadoes made up 39.9% of total catastrophe insured losses, adjusted for inflation.
Hurricanes and tropical storms: 38.2% of losses,
other wind/hail/flood: 7.1 %
winter storms: 6.7%
Terrorism: 5.9%
fires, including wildland fires: 2.0% of catastrophe losses
Civil disorders, water damage and utility services disruption combined represented ~0.2% of losses.
Each year about 7% of homeowners file claims.

4. Homeowners coverage
Insurance Information Institute -

5. What’s not covered Earthquakes Flooding Pests & termites
Endorsements: back-up sewer drain

6. preparedness Review your insurance policy at least 1x a year.
Take a home inventory of all your possessions – pictures, receipts, video
Store policy number in a safe place

7. The claim game: Homeowners
Insurance Information Institute -

8. After a disaster…
Contact your insurer asap – have your policy number handy
Complete all documents like the proof of loss form
Take pictures and compare home inventory list
Keep all receipts and document, document, document.

9. Nebraska good Samaritan law
Nebraska has a “Good Samaritan” law, which states that a person who is gratuitously giving emergency care to a person in need cannot be held civilly liable for their acts or omissions while helping that person.
Neb. Rev. Stat. § 25-21,186 (1961).

10. Volunteers and hazardous materials
Any volunteer assisting or giving advice in order to “mitigate or [mitigate] the effects of an actual or threatened discharge of hazardous materials or who attempts to prevent, dispose of, or clean up or prevents, dispose of, or cleans up any such discharge” is immune from civil liability.
However, if the person caused the hazardous material discharge they can be held liable in a negligence action
Neb. Rev. Stat. § (1984).

11. Fire Department, First Aid, Rescue and Emergency Squad Volunteers
have immunity from civil damages as long as the emergency first aid and rescue services they performed were in “good faith.”
However, there is no immunity for the death or injury resulted from the operations of a motor vehicle. Neither is there immunity if the death or injury was caused by “willful or wanton acts of commission or omission” meaning purposely done or maliciously.
Neb. Rev. Stat. § (1963).

12. Nebraska emergency management act
Emergency management worker includes any full-time or part-time paid, volunteer… of any agency of organization performing emergency management services... Neb. Rev. Stat. § (5) (1996).

13. Nebraska emergency management act
Except in cases of willful misconduct, gross negligence, or bad faith, any emergency management worker complying with or reasonably attempting to comply with the provisions of the act… shall not be liable for the death of or injury to persons or for damage to property as a result of any such activity. Neb. Rev. Stat. § (1996).

14. State of Nebraska office of the Attorney general
“Neb. Rev. Stat. § of the Emergency Management Act grants immunity from liability arising from personal injury and property damage to volunteers engaged in training and exercising in preparation of disaster/emergency situations, except in cases of willful misconduct, gross negligence, or bad faith.”

15. The end.
Shirley peng 941 o street, suite 825 Lincoln, ne ext. 302