Natural Disasters

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Questions and Answers

What should be done immediately after a disaster strikes?

Wait for the adjuster to arrive before taking any action

Call the local government to report the damage

File a claim with the insurance provider and ask for an adjuster's contact information (correct)

Start removing debris from the affected area

What is the purpose of keeping a written record of all expenses related to the loss?

To calculate the total damage

To share with the community

To document expenses for the insurance claim (correct)

To keep track of temporary repairs

What is resilience in the context of disaster recovery?

The ability to resist damage

The ability to prevent disasters

The ability to respond to and recover from adverse situations (correct)

The ability to rebuild quickly

What is a source of recovery resources for a community?

Both internal and external sources, including local government and FEMA Signup and view all the answers

Why is it important to make contacts with local disaster management officials before a disaster occurs?

So they can help create a community disaster plan and conduct drills Signup and view all the answers

What should be done with damaged property, material, and equipment after a disaster?

Retain them until they have been inspected and accounted for by the claims adjuster Signup and view all the answers

What is an important consideration for an association when it comes to temporary facilities after a disaster?

Determining if the policy covers temporary office facilities, generators, portable toilets, and cell phones Signup and view all the answers

What is the ultimate goal of recovery efforts in a community?

To restore community systems and functions and return life to normal for most residents Signup and view all the answers

What was the percentage of natural plant growth lost in the HVLA community as of the first quarter 2016?

70% Signup and view all the answers

What was the role of the HVLA environmental control manager in the recovery efforts?

Facilitating fire victims' rebuilding and repairing their homes Signup and view all the answers

What is a key lesson learned from the HVLA community's experience with disaster preparation?

Disaster preparation requires planning for an unthinkable event Signup and view all the answers

How did the HVLA Club contribute to the recovery efforts?

By serving hot meals to residents and staff Signup and view all the answers

What was the impact of smoke damage on the community?

It affected almost everyone, but was abated within weeks Signup and view all the answers

What is a recommended tip for communicating with residents during a disaster recovery?

Assign one person to communicate with residents Signup and view all the answers

What was the role of key staff in the recovery efforts?

They became the daily communicators with residents Signup and view all the answers

What is a long-term impact of the fire on the HVLA community?

The community is still vulnerable to erosion Signup and view all the answers

What is the primary purpose of a comprehensive disaster plan?

To facilitate effective community recovery and sustainability Signup and view all the answers

What is a characteristic of communities that rebound successfully from a major disaster?

A strong desire to rebuild and recover Signup and view all the answers

What was a consequence of the hurricanes in Florida from 1992 to 2004?

Changes in state insurance laws and coverage requirements Signup and view all the answers

What is the goal of this report?

To facilitate effective community recovery by providing best practices for disaster planning and response Signup and view all the answers

What is essential for community leaders to ensure after a natural disaster?

Quick response and efficient recovery Signup and view all the answers

What is a benefit of having a comprehensive disaster plan?

Improved community resiliency and sustainability Signup and view all the answers

What is a resource provided by this report to help community association leaders?

All of the above Signup and view all the answers

What is a common weakness identified by disasters in Florida?

Weaknesses in state insurance laws and coverage requirements Signup and view all the answers

Study Notes

Reporting Property Damage and Filing Claims

Report association property damage as a claim even if the full extent of damage is not yet known.
File claims immediately and ask your insurance provider for the assigned adjuster's contact information.
Photograph or video record damage before removing debris.
Retain damaged property, material, and equipment until it has been inspected and accounted for by the claims adjuster.
Keep a written record of all expenses related to the loss, including materials and labor for cleanup and temporary repairs.
Keep a file with recent repairs and renovation information to share with the adjuster.

Rebuilding and Resilience

Recovery and rebuilding restore community systems and functions and return life to normal for most residents.
Resilience is the sustained ability to use available resources to respond, withstand, and recover from adverse situations and significant disasters.

Recovery Resources

Recovery resources come from both inside and outside the community.
External resources include local government disaster management agencies and FEMA (Federal Emergency Management Agency).

Planning and Preparation

Planning is essential for community leaders to ensure quick response and recovery after a natural disaster.
A comprehensive and current disaster plan is crucial for community resiliency and sustainability.
Common characteristics of communities that rebound successfully from a major disaster include a strong desire to recover and rebuild, active networking with local agencies and resources, and a cadre of trained community leaders.

Lessons Learned

Disaster preparation requires planning for an unthinkable event.
The Firewise Community designation, combined with regularly reminding community members about fire safety, can mitigate the potential for loss of life and property damage in a fire emergency.
Recovery takes time, and it's essential to communicate effectively with residents, setting expectations appropriately and being honest and forthcoming.

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Description

This quiz covers the steps to take when filing an insurance claim after a disaster, including reporting damage, documenting losses, and working with an adjuster.