CAI-NJ Feb 2022

WHAT’S THE PLAN... from page 18.

bag with a list of medications, first aid kits, cash, charged battery pack and cord for their phone, flashlights and extra batteries, a mobile hotspot, food and water for a few days, and plastic Ziploc bags. Make sure you work with your bro- ker on a natural disaster preparedness plan and have steps lined up with a remediation company. Know when to call the remediation company from a claims perspective and make sure they know to be on standby for you in the event of a disaster. Many insurance companies can help formulate a written plan with ser- vice provider contact info, emergency contacts (i.e., fire, police, and EMS), a remediation company, your insur- ance broker, census forms or a listing of the number of occupants in each

unit and building, and website and communication tools for email and phone blasts. They’ll also make sure your service provider is lined up and has a plan for your property already, knows where to park equipment and vehicles, knows where the utility shut offs are, has predetermined a staging area for debris, has pre-contracted for dumpsters for debris, and has made arrangements to store additional mate- rials wherever possible and desired. Steps to File a Disaster Claim 1) Have pictures of the association before the disaster happened. 2) Contact proper authorities first — police, fire department, remedia- tion company. 3) Contact the broker to report the claim. a) All emergency repairs are acceptable and required. The goal is to keep the exist- ing damages from becom- ing worse. Pieces of all items that are repaired or replaced should be kept for the adjust- er to inspect. Pictures should also be taken immediately. 4) Claim is reported to the carrier by the broker. 5) Insured will hear from an adjuster within 1-2 business days. 6) An independent adjusting firm is assigned to inspect the property. If needed, additional contrac- tors will inspect the property. For example, an engineering compa- ny and/or a general contractor. 7) The independent adjuster will put together a report and estimate

people in a public place. A civil com- motion is similar to a riot but involves a greater number of people. Riot and civil commotion can be difficult to differentiate. The perils are often listed together in your policy. Do you Have a Disaster Plan in Place? Have an “Emergency Response Director” or “Critical Response Director” to take the lead in case of a disaster. We recommend you ask your residents to hash out individual preparedness plans as well. There are many things that you can think about hence many things that someone can forget so it is wise to remind residents to keep a go

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