We are all devastated by the destruction caused by Hurricane Harvey. It seems relentless, unforgiving and unpredictable. Although many of those afflicted knew it was coming, most did not expect it to get this bad nor imagine the disaster it would cause. Nearly 52 inches of rainfall fell in southeast Texas in six days, forcing more than 30,000 individuals to flee their homes. Unfortunately, numerous home and business owners were not prepared for this impact.
And Irma, the second strongest storm recorded in the Atlantic, now threatens Florida and the East Coast.
As professionals, in the insurance industry, you have some influence in how a business handles a natural catastrophe pre- and post-disaster. There are a few things you can do to help your clients prepare for a disaster no matter the geographic location or type of catastrophe. Remember, a natural disaster can be smaller than a hurricane or earthquake. A fire or burst pipe can be just as damaging.
- An emergency response plan is the first step to any solid preparedness program for both small and large businesses alike. Know evacuation routes. Form a communication strategy to make sure everyone is informed. Create a survival kit just in case. Consider remote work options and what aspects of the business will or will not continue.
- Coverage. Of course, you need to ensure your clients have the proper coverage for their property and business possessions. Go over flood insurance programs, business interruption insurance and property damage details to make sure they're properly insured.
- Data and technology. Because information is extremely valuable these days, help to make sure each client's data is backed-up and stored far enough offsite or in the cloud so retrieval is easy and accessible.
With these tools, your clients won't have to panic the day before a storm hits. Give them tools they need to properly prepare and plan for a natural disaster, so they have peace of mind when a crisis occurs. Let them know you're on their side and here to help keep things running smoothly.
What are some tips and tools you give your clients when it comes to natural disaster preparedness? Does your agency have a few go-to guides and methods that you use? We want to hear your insight so we can all be better prepared when a disaster strikes.