National Hurricane Survival Initiative

Saving Lives & Minimizing Damage -- Is your community prepared?

Florida’s Perfect Storm— Extreme Weather and Insurance

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Experts agree in virtual town hall: Link exists between extreme weather and rising costs of homeowner insurance in Florida

 Ft. Lauderdale, FL. — Nationally renowned weather, insurance, and emergency management experts met as a panel on February 24 to address the relationship between extreme weather and the rising cost of homeowner insurance.

In this forum, panelists with national and international expertise in weather, disasters, and insurance spoke their minds and provided unique perspectives regarding the correlation between the rise in extreme weather events, climate change, and the rise in homeowner insurance. They also took questions from attendees. All of the panelists are available now for questions and interviews regarding these topics and recent developments in the Florida Legislature on the issues of climate change, disaster, insurance, and resiliency.

The event was hosted by the FAIR Foundation, a nonprofit organization conceived to create safer, stronger, more resilient communities by educating consumers on the risks of water, wind, and other natural disasters, promoting wind and flood mitigation, and reducing uninsured risk.

Watch the virtual Town Hall

Read the full transcript of the Town Hall

WHO:             

Jay Neal, Esq. President and CEO, FAIR Foundation, Executive Chairman, Federal Association for Insurance Reform

Craig Fugate, Chief Emergency Management Officer, One Concern, and Former FEMA Administrator

Fred O. Karlinsky, Esq., Greenberg Traurig, Co-Chair of Insurance Practice Group

John Morales, Chief Meteorologist, WTVJ NBC-6, Miami, FL

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ABOUT THE PANELISTS:

Jay Neal, President and CEO, FAIR Foundation

Jay Neal is the President and CEO of the FAIR Foundation and Executive Chairman of the Board for the Federal Association for Insurance Reform. He has over 30 years of experience in insurance and finance as a consultant at the CEO and agency principal level. Jay’s career experience includes commercial real estate lending, real estate capital markets, reinsurance, and development of retail insurance products. He focuses on national strategic partnerships, development, and enhancing and strengthening corporate governance. 

Craig Fugate, Emergency Manager

Craig Fugate served as FEMA Administrator from May 2009 to January 2017. Previously, he served as Florida Emergency Management Director from 2001- 2009. Fugate led FEMA through multiple record-breaking disaster years and oversaw the Federal Government’s response to major events such as the Joplin and Moore Tornadoes, Hurricane Sandy, Hurricane Matthew, and the 2016 Louisiana flooding. Fugate set a clear and compelling vision, mission, and priorities for FEMA and relentlessly drove the Agency to achieve better outcomes for survivors. FEMA’s effectiveness in dealing with more than 500 Presidentially-declared  major disasters and emergencies under Fugate’s leadership restored the faith of the American people in the Federal Government’s ability to respond to disasters. Prior to his tenure at FEMA, Fugate was widely praised for his management, under Governor Jeb Bush, of the devastating effects of the 2004 and 2005 Florida hurricane seasons (Charley, Frances, Ivan, Jeanne, Dennis, Katrina, and Wilma). Craig currently provides senior level advice and consultation is the area of disaster management and resiliency policy through Craig Fugate Consulting LLC..

Fred E. Karlinsky, Shareholder, Greenberg Traurig

Fred E. Karlinsky is Co-Chair of Greenberg Traurig’s Insurance Regulatory and Transactions Practice Group. Fred has nearly 30 years of experience representing the interests of insurers, reinsurers and a wide variety of other insurance-related entities on their regulatory, transactional, corporate and governmental affairs matters. Fred is a recognized authority on national insurance regulatory and compliance issues and has taken a leadership position in many insurance trade organizations, has led many industry-driven legislative and regulatory initiatives, and is a sought after thought leader who has spoken and presented to insurance executives and governmental officials, both nationally and internationally. In addition to his role with Greenberg Traurig, Fred has been an Adjunct Professor of Law at Florida State University College of Law since 2008, where he teaches a course on Insurance Law and Risk Management. Fred is also a Florida Supreme Court Certified Mediator.

John Morales, Chief Meteorologist, WTVJ NBC-6

John Morales is the longest tenured broadcast meteorologist in South Florida, serving as a reassuring television presence for nearly three decades. His tropical weather acumen and steadfast character guided South Florida viewers through hurricanes Andrew, Irene, Katrina, Wilma, and most recently Hurricane Irma. For his life-saving work during the 2017 season, Mr. Morales was recognized with the John Coleman Broadcast Award at the National Tropical Weather Conference. He has twice been appointed to National Academies of Sciences (NAS) committees, co-authoring studies in 2012 and 2017 pertinent to America’s Weather Enterprise. He also wrote Huracanes, a Spanish-language reference book on hurricanes in 2000.

ABOUT THE FAIR FOUNDATION:

The FAIR Foundation educates and empowers consumers, promotes wind and flood mitigation, and reduces uninsured risk. We enable and promote practical solutions and protections by bringing consumers together with the best and brightest in the industry. For more information, visit the FAIR FOUNDATION

Necessary Sense of Urgency Required for This 2020 Record-Setting Atlantic Hurricane Season

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Floridians concerned about paying a large deductible in the event of a disaster

TALLAHASSEE, Fla. – As Florida enters what is generally considered the most active and dangerous period of hurricane season, a new survey finds many residents have significant concerns about the potential impact of storms to disrupt their communities and lives. More than 1 in 4 Floridians have faced challenges with tree and debris removal following a storm, and more than two-thirds would like their local governments to plan ahead and line up debris removal services in advance so life can return to normal as quickly as possible following a disaster. 

Those are some of the data points in the new survey conducted August 31-September 2 by “Get Ready, Florida!” – a long-running statewide public education initiative produced by the nonprofit FAIR Foundation. It serves to help Floridians plan, prepare, and respond to the threat of the annual six-month-long “mean season” of hurricanes and tropical storms.

The survey also revealed Floridians’ concerns about having adequate insurance coverage. The average hurricane deductible in Florida is $5,000, an amount that more than two-thirds of Floridians (68%) say they would find it difficult to pay. In addition, 1 in 6 Florida policyholders mistakenly believe their hurricane insurance would handle tree and debris removal from their yards – but it won’t. As those services are not covered in most policies, almost one-third of Floridians say they would be willing to pay something extra each month in order to have their policies cover these services. 

“In the most hurricane-vulnerable state in the nation, millions of Floridians roll the dice by going without adequate insurance to help them through the ordeal,” said Jay Neal, president of the FAIR Foundation and a key partner in the survival initiative. “This survey shows that while many Floridians lack a clear understanding of what their insurance policy covers, they recognize the wisdom of having their cities and counties prepared to clean up the mess after a storm.”

The survey found that more than two-thirds of respondents (68%) would support their city or county acting before a disaster strikes to invest tax dollars in advance for contracted cleanup services, if and when needed, in order to ensure that resources are available to deploy immediately to clear massive debris and help a return to normal. Rather than wait in line for help to come, this would mean contracting with a disaster recovery or debris removal business in advance – to be treated as a priority, by providers with the resources and expertise to do the job quickly and efficiently. Since Hurricane Katrina in 2005, many communities in impact zones have adopted this practice.

“As increasingly powerful storms leave even bigger cleanup challenges, more and more local governments are recognizing that they can’t do it all themselves. By engaging the services of disaster response companies, local governments can then concentrate on their communities’ other immediate needs,” said Brittany Perkins Castillo, CEO of Deerfield Beach-based AshBritt Environmental, a nationally renowned rapid-response disaster recovery leading contractor.

Among the other key findings of the survey of 1,582 Florida voters:

  • Most homeowner insurance policies carry separate, higher deductibles for hurricane damage. Among Florida homeowners, more than two-thirds (68%) would find paying a $5,000 hurricane deductible to be challenging at this time. 
  • More than 3 in 5 Floridians with homeowners’ or renters’ insurance (62%) are unsure what their policies cover following a storm.
  • Despite the fact that most hurricane policies do not cover tree and debris removal from yards, 16% of Florida policyholders believe this benefit is included in their policy.
  • More than 1 in 4 Floridians (27%) say they’ve experienced problems relating to yard debris or fallen trees following a storm. This includes 19% who say they have been blocked from their home or driveway, 11% who say they were stuck with large bills for debris removal, and 4% who say that they or a member of their household have been injured trying to remove debris out of the way.
  • About one-third of Floridians (31%) say they would be willing to pay something extra each month in order for their policy to cover things like tree and debris removal or replacement of spoiled food.

“One of the great challenges Florida faces is that it adds enough people each year to fill an entire city, and those newcomers – and many who have lived here for years – don’t really know what they have and what they need when it comes to hurricane insurance,” said Craig Fugate, a Florida native who served as the top administrator of the Federal Emergency Management Agency. “Flooding is not covered by your homeowners insurance and requires a flood policy for protection, and flood risk is growing due to more extreme rainfall events during hurricane threats. It’s a good idea for everyone to check their insurance policies now, add flood coverage, and for local governments to get themselves as prepared as they can.”

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The FAIR Foundation was conceived to create safer, stronger, and more resilient communities by educating consumers on the risks of water, wind, and other natural disasters, promoting wind and flood mitigation, and reducing uninsured risk. The Foundation works tirelessly with its team of corporate and individual sponsors to empower property owners to prevent avoidable losses before, during, and after catastrophic events. Headquartered in Fort Lauderdale, Fla., the FAIR Foundation is a 501(c)3 non-profit organization. The Foundation’s work enables and promotes practical solutions and protections by bringing consumers together with the best and brightest in industry and academia. Follow the FAIR Foundation online at FAIRFound.org, on Facebook (facebook.com/FAIRwatch), Twitter (@FAIRwatch), or LinkedIn.

Get Ready, Florida! is the comprehensive vehicle to make hurricane safety a year-round culture in Florida. This partnership is an ongoing effort to spur awareness, involvement, and action by millions of Floridians to take personal and collective responsibility for being prepared before, during, and after hurricane season. This initiative will serve as a bold model for disaster preparation amid a historic era of major storm activity, prompting the need for an aggressive approach to education and motivating the public. Lives will be protected and saved, and property better able to face the ravages of subsequent hurricane seasons, as a result of this critical initiative.

AshBritt Environmental is a national leader in disaster response. Now in its 28th year, AshBritt is a national turn-key rapid-response disaster recovery and environmental services contractor and has conducted more than 400 disaster response missions and 30 special environmental projects, successfully serving more than 600 clients. It has been directly involved in the recovery efforts of more than 60 federally declared disasters in 20 states. AshBritt has been a contractor for the U.S. Army Corps of Engineers (USACE) for 20 years, including as prime contractor for the South Atlantic Division (AL, FL, GA, SC, NC) and the South Pacific Division (AZ, CA, NV, UT, NM).

Floridians’ concerns about coming hurricane season spike, amid overlapping COVID-19 pandemic ongoing issues

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Floridians cite strain on first responders, economic hits, and finding shelter

A majority of Floridians are more concerned than usual about the coming 2020 hurricane season, given the simultaneous continuing issues related to the COVID-19 pandemic. Nearly all Floridians expressed at least one significant concern – from the strain on first responders and more business closures to damaging hits on the economy, according to a new survey conducted by the statewide hurricane safety initiative, Get Ready, Florida!

“COVID-19 has created a very real, sustained sense of anxiety, and that’s even before the wild card of a major hurricane,” said Jay Neal, President and CEO of the FAIR Foundation and a Get Ready, Florida! partner. “Add hurricane season to the uncertainty of the pandemic and you introduce another set of serious issues to worry about.”

More than half of Floridians surveyed (51%) feel more concerned about hurricanes this year than in other years due to their experiences with the COVID-19 pandemic over the past few months, with the rest feeling no different at all. More than 9 in 10 (91%) said they had at least one concern regarding the upcoming hurricane season, including:

  • More strains on first responders (62%)
    • Business closures or more hits to the economy (58%)
    • Fewer shelters open due to social distancing (43%)
    • Uncertainty about where it would be safe to evacuate to (39%)
    • Ability to care for elderly or special needs relatives (35%)
    • Ability to afford supplies (30%)

That uncertainty about where and how to evacuate or find shelter may aggravate an existing problem – the tendency of many Floridians to ignore evacuation recommendations or wait until the last minute. According to the survey, nearly half (47%) of Floridians report that they have stayed where they live through a storm despite recommendations to evacuate.

“Social distancing will change the way we shelter people in a hurricane, without a doubt,” said Craig Fugate, former administrator of the Federal Emergency Management Agency. “For instance, everyone should add masks to their family hurricane kit. But if you’re told to evacuate, you still need to heed those orders and get out to a safer place.”

The economic strain of COVID-19 may also leave some Floridians less prepared for hurricane season. In addition to the 30% who worry about their ability to afford supplies, about 25% say they have put off needed home repairs due to COVID-19.

Many Floridians continue to lack essential safety knowledge needed for hurricane season. For instance, when asked where it’s safe to use a generator, 27% cite an unsafe spot, including a balcony or garage.

And while nearly a quarter of Floridians (23%) feel more prepared for hurricane season, possibly because they’ve become accustomed to spending more time at home, experts say it is important that all Floridians stock up on the basics they need to weather a storm.

“It’s important to plan ahead and ensure you have an adequate supply of tap and/or bottled water when hurricanes emerge as a potential threat, said Kent Koptiuch, natural resource manager for Nestlé Waters North America. “Emergency managers now recommend households have enough food and water for seven days, including one gallon of water per person per day.”

Get Ready, Florida! is an annual statewide public education initiative that has been working to educate Floridians about hurricane preparedness and safety for more than 20 years. The survey of 1,500 Florida voters was conducted by Sachs Media Group on May 21-22, 2020, with a margin of error +/- 2.2% at the 95% confidence level. To see the full survey results or for more information about hurricane preparedness, visit hurricanesafety.org.

News Release: FAIR Foundation

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Survey Shows Floridians Still Not Adequately Preparing for Hurricane Season

TALLAHASSEE, Fla. — A survey at the start of hurricane season reveals that just six months after the punishing 2017 season battered the Sunshine State, most Floridians are still not prepared for the potential assault of another hurricane season. The survey by the FAIR Foundation, conducted just days after Subtropical Storm Alberto rattled nerves across the state, found that more than three-quarters of Floridians expressed concern about potential hurricanes this year – yet only half have reviewed their home insurance policies to be sure they’re covered.

The survey launched on June 1, the first day of this year’s hurricane season and a week after Alberto drenched the Florida Panhandle. Though forecasters and former FEMA Administrator and host of Get Ready, Florida! Craig Fugate predict that this year may be another hyperactive storm season, the survey of 1,000 Floridians found that 76% feel very or somewhat concerned about the new hurricane season. Only 5% said they are not at all concerned.

“Hurricanes Irma and Maria last year should have been enough to convince every Floridian of the vital importance of preparing for the worst – but it doesn’t seem that’s really happened,” said Guy McClurkan,  Executive Director for the FAIR Foundation. “The 2018 hurricane season is already off to a fast start, so it’s crucial that everyone review their family’s safety and evacuation plans, check their insurance coverage and consider purchasing separate flood insurance, since floods aren’t covered by a typical homeowners policy.”

The most recent survey also found that Floridians are more focused on their safety and comfort at home following a significant storm event, further emphasizing the need for home hardening and other preparations.

Asked which conveniences they would choose to have in the four days following a hurricane, most chose a refrigerator (74%) over a fully charged cell phone (26%) and air conditioning (77%) over a fully charged cell phone (23%). An even larger majority would prefer internet access (83%) rather than cable television access (17%) – and that sentiment runs strongly through all age groups, from 92% among millennials to 88% among those ages 35-54 and 74% among those ages 55 and older.

The FAIR Foundation urges Florida residents to prepare well in advance for the unknown. The Florida-based organization works to educate and empower consumers, promote wind and flood mitigation, and reduce uninsured risk. Toward that objective, the FAIR Foundation commissioned a separate survey in December for the National Hurricane Survival Initiative, which found that 64% of those who attempted to purchase flood insurance as Hurricane Irma headed for Florida were unable to do so.

“You simply can’t wait until the last minute as the storm approaches – not to prepare your home, and not to secure flood insurance to cover losses your regular homeowners policy won’t,” McClurkan said. “Even though hurricane season has already begun, it’s not too late to get ready and get yourself, your family, and your home protected.”

Get Ready, Florida!
An on-going, comprehensive statewide initiative to spur awareness, involvement, and action by Floridians in a new culture of hurricane-safety. To download hurricane safety checklists or watch the 2018 television special visit GetReadyFlorida.org.

About the FAIR Foundation
The FAIR Foundation, a 501(c)3 non-profit organization, was conceived to create safer, stronger and more resilient communities by educating consumers on the risks of water, wind and other natural disasters, promoting wind and flood mitigation and reducing uninsured risk. The Foundation’s work enables and promotes practical solutions and protections by bringing consumers together with the best and brightest in industry and academia.

Visit fairfound.org for more information.

Why you might need supplemental coverage

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You’ve most likely heard of supplemental health insurance. It covers certain treatment and care that a traditional policy doesn’t. Think AFLAC. A similar problem exists when it comes to insuring your home; a typical homeowners policy doesn’t cover everything. In fact, it may not cover some critical expenses that arise immediately after a hurricane.

After an uncommonly active 2017 season, it’s tremendously important to know how much you’re covered, as each day that passes since the last hurricane brings us is one day closer to the next. StormPeace is supplemental coverage that offers peace of mind to Florida homeowners and renters – they can know they’re covered for evacuation expenses, tree and debris removal, and replacing spoiled food. They can also use StormPeace to pay their deductible.

We all take a risk living in the Sunshine State, where our entire population is vulnerable to hurricanes. We choose to live here for the beautiful beaches, breathtaking sunsets, and pleasant weather that comforts the soul. When specifically tailored for homes likely to be affected by hurricanes, this kind of coverage can help take much of the worry out of our risky living situations. While Mother Nature can’t be controlled, the pointless spending of unnecessary out-of-pocket insurance expenses certainly can be.