We are in our first week "post Sandy" and many of us are still “digging out.” Margaret h and I have been here every day before, during, and after the storm. We have now filed with our carriers in excess of 600 claims. Adjusters are on the ground going from one disaster to another. As such their job has got to be daunting!
Our thoughts, prayers, and our resources go out to the thousands of people this event has affected. Our friends at the Lacey Food Bank have sent many of us in Lacey Township a “Wish List” of things they would like for those displaced; from non-refrigerated milk and food supplies to cleaning supplies, first aid items and over the counter medications such as Tylenol, cough lozenges and diabetic testing supplies. You can visit this website for a complete list, and visit their group on Facebook for more updates.
As with most events in our life, there are lessons to be learned from this tragic storm. One of the biggest lessons to be learned from this event is that we really don’t know when or where the next hurricane or major storm is going to hit the Jersey Shore. Margareth and I see part of our job as educating the public on how insurance is going to respond with an event like we just suffered. We publish, every month, a series of newsletters and some free reports about all facets of personal and business insurance and how it can be of help when a major catastrophe does strike.
Regrettably, many of our customers in the past have totally declined the opportunity to have proper coverage for what is important in their lives. As an example, flood insurance. While the lending institutions only require borrowers to obtain flood coverage for a building in a flood hazard zone, many folks waived their right to buy flood coverage to cover the contents of the home. Today, we are hearing several clients tell us “OK, you are right, I need that coverage.” While yet many will put off that decision yet again.
Insurance is not going to cover everything. Yes, there are restrictions and limitations and those pesky deductibles. And living without power is not as romantic as Margareth and I thought it would be. What worries us most is that we don’t know what the insurance marketplace will look like in the next 12 to 24 months!
Still, we don’t know when the next disaster is going to strike and how devastating it will be. Right now the National Weather Service is tracking a Nor’easter Storm heading towards the Middle Atlantic States. It is expected to land in New Jersey on Wednesday November 7th.
Regardless of how that storm develops, we urge all our customers and soon-to-be customers to reach out to our Protection Team at 609-693-3123 and allow us to do a comprehensive account review. This way, if another devastating storm happens in our area, you will be better prepared to have your insurance help you back on the road to recovery.