© 2002, 2003, 2005, 2006, 2007, 2008, 2011 All rights reserved.
P.O. Box 12129, Tallahassee, Florida 32317-2129
CHAPTER 1 6
FLORIDA BACKGROUND 6
CHAPTER 2 8
THE STATE WIDE PLAN 8
ZONES FOR FAIA’S CATASTROPHE ASSISTANCE VOLUNTEER NETWORK 10
CATASTROPHE ASSISTANCE Coordinators by Zone 11
Guide for Zone Coordinators 17
ZONES FOR FAIA'S CATASTROPHE ASSISTANCE VOLUNTEER NETWORK 19
CHAPTER 3 20
AGENCY PLAN 20
GUIDELINES FOR THE AGENCY PLAN 21
Checklists 21
Emergency Supplies and Equipment 22
Office Supplies 23
Claims Supplies 23
People Supplies 24
Power 24
Computers 25
Phones 25
PUBLIC RELATIONS 26
Clients 26
Media 26
WELL BEING OF STAFF 27
CASH AND CASH FLOW 27
CATASTROPHE ASSISTANCE VOLUNTEER NETWORK 27
RECOMMENDATIONS FOR CATASTROPHE PROCESSING—Before the Catastrophe 28
Insurance Company Special Catastrophe Information 29
Suggestions for the Non-claims Staff: Who Will be Handling Claims? 30
Develop and Maintain a List of Individuals Available for Temporary Work 31
Set Up a Separate Claims File. 34
RECOMMENDATIONS FOR CATASTROPHE PROCESSING—after the Catastrophe 36
Do not attempt to visit catastrophe sites. 36
At First Report of Loss, Completely Inform Each Insured. 38
CHAPTER 4 42
WORKING WITH THE MEDIA 42
I.THE PURPOSE OF MEDIA RELATIONS 42
II. THE INDUSTRY RESPONSE 43
III. WHAT-TO-DO CHECKLISTS 44
CHAPTER 5 48
FLOOD 48
I.THE PROBLEM 48
II. AGENCY PREPARATION 49
III. AFTER THE FLOOD 50
III. FLOOD QUESTIONS AND ANSWERS 50
CHAPTER 6 57
WORKPLACE VIOLENCE AWARENESS 57
I. WHAT IS WORKPLACE VIOLENCE? 57
II.WHAT ARE THE CATEGORIES OF WORKPLACE VIOLENCE? 58
III.RECOGNIZING WARNING SIGNALS 58
IV. ESCALATING LEVELS OF VIOLENCE AND WHAT TO DO 59
CHAPTER 7 60
TERRORISM 60
PREPARING FOR THE UNEXPECTED 60
WHAT YOU CAN DO TO PREPARE 61
IF DISASTER STRIKES 62
A Word on What Could Happen 62
Evacuation 62
Listen to local authorities. 63
Shelter in place 63
ADDITIONAL POSITIVE STEPS YOU CAN TAKE 64
First Aid Primer 64
Control Bleeding 64
Care for Shock 65
Tend Burns 65
Care for Injuries to Muscles, Bones and Joints 65
Be Aware of Biological/Radiological Exposure 65
Reduce Any Care Risks 65
YOUR DISASTER SUPPLIES KIT SHOULD INCLUDE: 66
CHAPTER 8 66
FIRE SAFETY 66
I. MAKE YOUR HOME FIRE SAFE 66
II. PLAN YOUR ESCAPE ROUTES 67
III. ESCAPE SAFELY 67
IV. STATISTICS AND SAFETY VIOLENCE 67
V. KITCHEN SAFETY 67
VI. COOKING SAFETY TIPS 68
Safety Advice 68
VII. HEATING SAFETY 69
VII. HEATING SAFETY TIP 69
VIII. ELECTRICAL SAFETY 70
Electrical Safety Tips 70
IX. THE BASICS 71
CHAPTER 9 71
LIGHTNING...NATURES FIREWORKS 71
I. LIGHTNING 71
Lightening Myths & Facts 72
CHAPTER 10 72
FIRE PROTECTION FOR OFFICES - CHECKLIST 72
I. ELECTRICAL 72
II. ARSON 73
III. SPONTANEOUS IGNITION 74
IV. SMOKING 74
V. EXPOSURE FIRE 74
CHAPTER 11 74
FIRE PROTECTION FOR OFFICES 75
I. WHAT CAN YOU DO? 75
II. EVALUATE YOUR RISK 76
III. IN CONCLUSION 78
CHAPTER 12 78
FIRE PROTECTION FOR OFFICES 78
Make Contact with Your Employees 80
APPENDIX 83
PREPARING FOR A DISASTER: 83
A NECESSITY/AN OPPORTUNITY: A REPORT ON HURRICANE HUGO 83
Introduction 83
The Agency 83
The Storm 83
The Catastrophe Plan 86
48 Hours Before the Storm 89
24 Hours Before the Storm 90
After the Storm 90
Things Done Right 91
Things Done Wrong 95
Long-term Impact 99
Conclusion 100
HURRICANE FACTS 100
Hurricane Glossary 100
How a Storm’s Strength is Rated 101
The History of Naming Hurricanes 103
How to Track a Hurricane 105
Catastrophe planning resources 107
Suggestions for Local Board Meetings on Catastrophe Planning 107
Agent’s Memo of Loss 108
Insurance Company Special Catastrophe Information 111
HURRICANE DAMAGE —Special Notice: 112
Catastrophe Assistance Volunteer Network Enrollment Form 113
Checklists 114
Special Agency Note for Catastrophe Planning 115
Hurricane Command Post Supply List 116
Steps for Partners in Recovery Emergency Activation 117
Before a hurricane is in the picture 117
AGENT TRAINING: UNAUTHORIZED INSURANCE ENTITIES 118
Major Regulatory Premise 118
Unauthorized Entities: Basic History, Overview, and Rationale 118
Possible Consequences for Aiding and Abetting an Unauthorized Insurer 121
Possible Consequences for Acting as an Insurer without Proper License 121
Key Considerations in Disaster Planning & Management 121
Overview 122
Steps to Take Well Before a Disaster 123
Developing, Instilling, & Practicing the Disaster Plan 123
Protecting Agency Data & Systems & Preparing to Access Them after the Disaster 124
Protecting Internet Access 125
Protecting Equipment & Providing for Continued Electrical Power 125
Alternative Communications 126
Provisions to Have On Hand 127
Steps to Take When a Disaster is Imminent 128
Implement Disaster Plan 128
Protecting Agency Data & Accessing it After the Disaster 128
Protecting Equipment & Providing for Continued Electrical Power 129
Alternative Communications 129
Provisions to Have On Hand 130
Steps to Take After a Disaster Strikes 130
Implementing the Disaster Plan 130
Provisions 131
Some Final Thoughts 131
Additional Resources 131
Get Involved with the FAIA Agency Buddy System 132
The Way It Works 133
Example 133
How to Make the Buddy System Grow 133
IT DISASTER RECOVERY PLAN 133