Who will rebuild after the fires?
You have all seen the pictures, fires out west, hurricanes along our coasts, floods on our rivers, tornadoes in the mid-west and a rare February tornado right here in Uniontown. Disasters seem to be everywhere, more frequent and more severe. What happens after these events? What happens after the Red Cross, after FEMA? Where do we go for help? Who rebuilds our homes and commercial buildings, communities and helps get our lives back together? Much of the time, before the disaster ends, the insurance industry has teams of professional people on the way to help assist with recovery and start the process of rebuilding.
Trained claims people are pulled from other areas of the country and sent to the disaster area to help. Insurers are now using the drone technology to locate damaged and destroyed homes and buildings. Perhaps an immediate payment to help with some clothes and personal items to get us started on the long journey back. Homeowner蘑菇视频 insurance policies usually pay for additional living expenses to provide temporary living quarters and provide for groceries or meals out. Small Business Owners Insurance can help a business operate from a temporary location while the business is rebuilding. The insurance policy that we sometimes hate to pay for may be the opportunity to rebuild a home and personal property when it has vanished into the ashes and ruin
A few evenings ago, I was upset after watching the pictures of the fires out west and the nor-easter here in our area to see a TV commercial berating the insurance industry for making it difficult to get your claim settled and if you would just call our number we can help with the big bad insurance industry.
Of course this was a law firm telling the world how great they are and no doubt there are instances when a policyholder needs their services; however, it is the insurance industry that will play the most significant role in rebuilding towns like Paradise, California, and Mexico Beach, Florida, not the lawyers.
I spent over 50 years in the Property and Casualty Insurance industry and these latest disasters like past ones will see the benefits of a viable insurance industry. Most claims go pretty well and it蘑菇视频 been my experience that the industry has a good track record.
Like any profession, there will always be a few bad apples and some claims that may need the services of a lawyer, but if you and a trusted professional insurance agent design the right kind of policy you will be made whole again. A home can be rebuilt and personal property can be replaced.
The insurance policy is a promise written on a piece of paper. It is a contract that collects the premiums from the many to pay the claims of a few.
Unfortunately, as a result of increased storms and disasters, the few seem to be on the rise in recent years and this may put pressure on the many via increased premiums and the need to evaluate where we want to live.
Mountain tops and water are nice to look at, but with increased pressure from climate change, decisions may have to be made in the future to limit the risk and move us from harm蘑菇视频 way.
Homes on top of fault zones and along coastal areas and river flood zones will continue to present danger and this will only increase in the future.
I am proud of my industry and what is possible because of insurance. In the future, let蘑菇视频 all take a look at our exposure to disaster and make choices to help minimize our exposure to loss.