Special Report

2019 Catastrophe Preparation and Recovery

June 1 marks the beginning of hurricane season, while the peak of tornado season is March through May. Wildfire season is traditionally during the summer months, but in some states the risk is yearlong. Preparation is key to providing a timely response in order to help policyholders begin the recovery process. In this Special Report we share information on how best to prepare for natural disasters and how to recover if one damages your property.


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Damaged contents after a disaster. After a fire or flood, packing out contents and determining what can be salvaged and what should be replaced is an important, but often time-consuming aspect of a claim. (Photo: P.Harman/PC360)

In the aftermath of a loss event, both the insured and the insurer may face the dreaded pack-out — moving all contents off site for evaluation and allowing room for structural repairs. In reality, pack-outs can cover a range of functions: creating contents inventories; sorting; deciding which items can be salvaged; transporting items to specialists for repair, cleaning and disinfecting; finding replacements for non-salvage items; calculating a cash value for non-salvage contents; testing items that have been repaired; and finally re-packing and transporting contents back to the premises.

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