By Dan Turpin | Published September 23, 2022
As originally published on PropertyCasuality360
Although the 2022 Atlantic hurricane season has been relatively quiet thus far, the National Oceanic and Atmospheric Association (NOAA) still predicted a 60% chance of an above-normal year in its revised forecast. Therefore, the time is now for insurance companies to prepare for the next landfalling catastrophe.
Post-hurricane, adjusters are ready to survey insurance costs. But depending on the storm’s severity, you may not access the disaster site for at least 24 hours — or up to four days post-hurricane. The damage you’ll survey will depend on when you access the site. No matter when you arrive on the scene, we recommend the following post-CAT protocol to maximize your efforts.
Once an adjuster gets to a damaged facility, there are many variables to consider. The process ultimately boils down to these five steps.
You’ve implemented your plan, contacted your resources, and secured the building. Now the experts can complete the repair time estimates and budgets.
The time between completing mitigation and writing a rebuild estimate could take as many as 14 to 90 days. Beyond securing resources, other structural problems may arise. What if you find the drywall has structural damage, there is HVAC or electrical damage, or the asbestos reports come back positive? The project could take longer and become more involved. Because of each storm’s unpredictability, always expect the unexpected. That attitude, a good protocol and the right support will help prevent simple post-CAT tasks from becoming complicated disasters.
This information is intended for informational purposes only. Each restoration project has unique properties and must be evaluated individually by knowledgeable consultants. RMC Group is not liable for any loss or damage arising out of or in connection with the use of this information.