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Home / Insurance / Hurricane relief and hope are what’s needed the day after the disaster | Property Insurance Protection Law Blog

Hurricane relief and hope are what’s needed the day after the disaster | Property Insurance Protection Law Blog



The emotional trauma of suffering a loss of your property and your way of life cannot be overstated. The human response to loss and economic uncertainty must be addressed and openly discussed as part of Hurricane Ian recovery. Political leaders and others affected by their commercial messages must ensure that the very real emotional issues are addressed and addressed first.

I’ve been thinking about what to write today. Most policyholders with significant damage have no power and cannot read this blog. Hurricane Ian has done more destructive damage. It will do more damage in the Carolinas if the forecasts are correct.

Policyholders and others should not be forced to sign significant contracts with legal ramifications unless they are emotionally and mentally ready to do so. At the same time, if the amount of loss can be mitigated, steps must be taken to do so. Restrictive companies that appear and pressure policyholders to sign anything should be avoided. If you get pressured, just tell that person to leave. Professional and reputable mitigation companies recognize this human problem and will not push with threats, dire scenarios or too-good-to-be-true promises.

I gave an interview to National Public Radio this morning which may air later today. I raised a number of points, including safety and the need to document the loss. An organization that helps policyholders, Compass 82, has the following visualization of valid points about documenting the loss:

Report the loss as soon as possible. There will not be enough property insurance adjusters for all Hurricane Ian claims. Early reporting will place a policyholder earlier in line. Most insurance companies have call-in centers listed on the Internet if an agent is closed or unavailable to report the claim.

Returning to the emotional aspect of damage relief, public adjusters and restoration contractors should read and carefully consider this post: The emotional and mental damage from natural disasters and climate change. There was a graphic story in that post that shows how people can react to loss in many different ways:

Disasters deserve special attention because they differ from other types of trauma in several important ways. First, they are collective in nature – a large number of individuals are affected at the same time. In some ways this is an asset. Individuals affected by disaster sometimes receive worldwide attention. Depending on the size and scope of the event, support and resources are often mobilized that would not be available after an individual trauma. However, the collective nature can also be a problem, as social comparison can occur in cases where the individual needs of an affected individual are not seen as important as the needs of another. Another problem may be that the resources initially available are insufficient for the problems that arise or that these resources do not remain long enough.

A second difference between disasters and other traumas is that they affect infrastructure as well as mental health. After major events, communication, accommodation and transport needs can interfere with the ability to get help. Even after the immediate search and rescue efforts are over and community infrastructure is back in place, individuals may be left homeless or unemployed and may be more focused on immediate needs, such as rebuilding their home or community, than on their own mental health.

Brian told the story of his cousin in the Bahamas who survived Category 5 Hurricane Floyd. His cousin apparently suffered from PTSD and was convinced that big rats were going to eat everyone. He thought the plague would come up from the ground and kill them all. This irrational belief is no laughing matter because each person is uniquely affected and carries the catastrophe with them…

Be wary of people who suffer total devastation. Help them get relief from Hurricane Ian and not cause further damage.

Today’s thought

For what does it profit a man if he gains the whole world and suffers injury to his soul?
-Jesus Christ


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