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National Pre-Disaster Standards Called For

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Establishing state and local building codes would insure resilient construction and stop the cycle of spending to rebuild after disasters such as hurricanes, according to the Insurance Institute for Business & Home Safety (IBHS). The organization said it supports the Building codes4BuildStrong Coalition’s National Mitigation Investment Strategy, which calls for a comprehensive federal plan to improve disaster resilience across the U.S.

The plan focuses on investment in pre-disaster funding using unspent, non-FEMA grant program funds to reduce damage caused by natural disasters—funds that were established in the wake of Hurricane Sandy, IBHS said.

“We can’t keep doing things the same way, with lives and communities being destroyed over and over again by disasters, year after year,” said Julie Rochman, IBHS president and CEO said in a statement. “The National Mitigation Investment Strategy will help break this cycle of destruction.”

Building codes3

The Strategy recommends:

  • establishing a new FEMA-administered resilient construction state and local building code grant program to help qualified states defray cost of enforcing building codes
  • increasing FEMA funding for pre-disaster mitigation activities by $100 million per year from fiscal years 2016 to 2020
  • passing new congressional initiatives to create resilient construction incentives for states, builders, and individual homeowners

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According to the BuildStrong Coalition:

The reality of the nation’s current disaster policy is this: costs associated with natural disasters in the United States continue to rise, and the federal government is absorbing more and more of the costs as sympathy for victims often creates a political expediency for billions in off-budget, unaccountable federal spending that is allocated for cleanup and recovery. The result is an endless cycle of destruction where cities are rebuilt only to be devastated again by the next big storm. A new approach to federal disaster policy is needed.

The report looks into why more needs to be done before a disaster and describes ways to target more resources to building codes. Doing so through a new national disaster policy focused on pre-disaster mitigation will benefit homeowners and building owners that are of the most immediate concern post-storm.

 

Great ShakeOut Brings Awareness to Earthquake Dangers

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New research into earthquake activity in the United States has revealed that nearly half of all Americans are at risk of potential ground shaking from earthquakes. This is almost twice the previous estimate of 75 million, according to the U.S. Geological Survey (USGS).

“The new exposure estimate is nearly double the previous 2006 estimate of 75 million Americans in 39 states, and is attributed to both population growth and advances in science,” William Leith, USGS senior science advisor for earthquake and geologic hazards and co-author of the study said in a statement. “Populations have grown significantly in areas prone to earthquakes, and USGS scientists have improved data and methodologies that allow for more accurate estimates of earthquake hazards and ground shaking.

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ShakeOut

To bring awareness to this potential danger, a number of organizations worldwide are participating today in the Great ShakeOut, which encourages individuals and organizations to develop contingency plans and practice earthquake drills.

During the drill, participants practice “drop, cover, and hold on,” the recommended safety action to take during an earthquake.

ShakeOut 1

Take cover under a sturdy desk or table, and hold on to it securely. If there is not a desk or table nearby, drop to the floor against an interior wall, then protect your head and neck with your arms.

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Avoid exterior walls, windows, hanging objects, mirrors, tall furniture, large appliances, and kitchen cabinets filled with heavy objects or glass.

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While on the ground, look around and see what objects could fall during a potential earthquake, and make sure to secure or move those items after the drill.

The Great ShakeOut recommends that organizations:

Meet with department heads to review plan and obtain their buy-in, if necessary, and determine what level of drill your organization will conduct and who will participate. Consider drilling at a higher level to engage staff to be more effective during a disaster. (Drill manuals are available in ShakeOut regional website in the Resources section)

  • Level 1 – Simple: Drop, Cover and Hold On
  • Level 2 – Basic: Life Safety Drill
  • Level 3 – Intermediate: Decision-Making Drill
  • Level 4 – Advanced: Business Operations Drill

Create a drill/exercise plan that includes an overview of what your drill will consist of (even if just drop, cover and hold on), what you expect to happen during the drill, and a feedback session after the drill to identify strengths and weaknesses

  • Inform employees/staff participants of date and time of drill, your expectations for their participation, and the benefits of the drill
  • Encourage suppliers, vendors, contractors, partnering organizations, and others in your network to participate – as a means of protecting your organization – and share ShakeOut resources with them. (Consider other tasks that can protect your organization and supply chain, such as having service agreements in place to ensure that the services or products you rely on will be available after disaster)

Create an employee awareness campaign:

  • Post ShakeOut banners and signs throughout your organization to encourage and remind employees, vendors, and customer to participate
  • Initiate an email campaign to employees, staff, and customers with information and tips on how to prepare at home and work
  • Encourage employees to post a ShakeOut-related safety message on their outgoing email messages.

Review and use materials in the Resources section of your regional ShakeOut website:

• Drill broadcast audio/video recordings

• Earthquake safety recommendations for people with disabilities, for people in stores, etc.

• Custom flyers for many organization types

Hold a drill on ShakeOut day (or an alternative date)

  • Have post-drill discussions to hear what people learned and plan next steps.

Insurers Will Be Found Not Guilty of Fraud in Sandy Payouts, Expert Says

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Insurers will be vindicated of accusations of fraud for rejecting flood damage claims made by Superstorm Sandy victims, an insurance industry expert predicts.

New York’s Attorney General Eric Schneiderman has opened an investigation into accusations against insurers Wright National Flood Insurance Co., units of Travelers Cos. and Hartford Financial Services Group Inc., which contract with the government’s National Flood Insurance Program (NFIP), of rejecting property flood damage claims of Sandy victims based on falsified engineering reports, Bloomberg reported this week.

Called a Write Your Own program (WYO), the Federal Emergency Management Agency (FEMA) allows participating property and casualty insurers to write and service the Standard Flood Insurance Policy in their own names.

Under the WYO program, insurers receive an expense allowance for policies written and claims processed while the federal government retains responsibility for underwriting losses.

The WYO Program operates as part of the NFIP, and is subject to its rules and regulations, according to FEMA, which oversees the flood insurance program.

“I am confident that the attorney general will be satisfied that insurers involved with the Write Your Own program were operating in a manner consistent with NFIP guidelines,” said Robert P. Hartwig, Ph.D., president of the Insurance Information Institute.

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Lawsuits in federal court accuse the insurers of colluding with engineering firms and others to deny or reduce damage payouts based on fraudulent reports. Schneiderman is investigating whether any crimes were committed. According to The Hartford Courant, more than 1,000 lawsuits are involved, alleging that homeowners were underpaid by insurance companies. Attorneys said insurers accepted altered engineering reports in a “peer review” process.

Insurers point out that the property disputes involve only about 1% of all flood claims and that the peer-review process is common practice—a quality control measure to make sure the federal government doesn’t overpay on flood claims.

Regarding the lawsuits that have been filed, Hartwig said, “I am equally confident that the evidence will indicate once again that insurers were operating in a manner consistent with NFIP guidelines.”

He explained that the lawsuits lodged against insurers alleging that certain insurers and firms hired to perform engineering analyses on flood-damaged properties were acting together to reduce or deny claims, “reflect a fundamental  misunderstanding of how the NFIP WYO program works. Engineering firms routinely and appropriately use a peer review process to review work performed. Occasionally, that process leads to additional opinions being reflected in an engineering report, which can thus impact the dollar amount received by claimants. This is part of a routine and necessary quality-control process.”

Hartwig said that this process is “no different than peer review in other technical and scientific disciplines. Using medicine as an example, test results are routinely reviewed by more than one medical professional before a diagnosis and course of treatments are rendered.”

Moreover, he added, insurers and the engineering firms hired are not financially motivated “to pay claimants anything other than a fair and accurate assessment of the losses compensable under the NFIP policy purchased. Insurers that consistently underpay or overpay claims can be removed from the program by the NFIP/FEMA.”

6.5 Million U.S. Homes Worth Nearly $1.5 Trillion at Risk of Hurricane Storm Surge Damage

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Storm Surge Flooding MISHELLA / Shutterstock.com

More than 6.5 million homes along the U.S. Atlantic and Gulf coasts are at risk of storm surge inundation, representing nearly $1.5 trillion in total potential reconstruction costs, according to Corelogic’s 2014 Storm Surge Report. Of that risk, more than $986 billion is concentrated within 15 major metropolitan areas.

While many homes and businesses most vulnerable to hurricane damage are in Federal Emergency Management Agency flood zones, these represent just a fraction of the structures that suffer a hurricane’s effects.

Homeowners who live outside the FEMA flood zones typically do not carry flood insurance, given that there is no mandate to do so, and therefore may not be aware of the potential risk storm surge poses to their properties, Corelogic explains.

Uncertainty about the geographical and meteorological risks may lull many into a false sense of safety.
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“This year’s season is projected to be slightly below normal in hurricane activity, but the early arrival of Hurricane Arthur on July 3 is an important reminder that even a low-category hurricane or strong tropical storm can create powerful riptides, modest flooding and cause significant destruction of property,” said Dr. Thomas Jeffery, senior hazard scientist for CoreLogic Spatial Solutions.

Florida ranks number one for the highest number of homes at risk of storm surge damage, with nearly 2.5 million homes at various risk levels and $490 billion in total potential exposure to damage. Here’s how all 19 states studied stack up, based on number of homes at risk:

State Table (Ranked by Number of Homes at Risk)

At the local level, the New York metropolitan area (including northern New Jersey and Long Island) contains not only the highest number of homes at risk for potential storm surge damage (687,412), but also the highest total reconstruction value of homes exposed, at more than $251 billion. Take a look at the storm surge risk for the top 15 metro areas:

Storm Surge Risk for Top 15 Metro Areas

Corelogic also noted variation in the costs of rebuilding, which does not directly correlate to the amount of property at risk. The total reconstruction cost value of homes along the Atlantic coast is nearly 1 billion, for example, which is approximately double the value of at-risk properties in the Gulf region’s 5 billion.