Hurricane Laura: recovery updates for impacted businesses

Last Updated: Thursday, 03 September 2020 08:38

Hurricane Laura made landfall on Thursday August 27, 2020, as a Category Four hurricane. This Continuity Central update page will track recovery information for businesses that have been impacted by the storm.

Advice from Ready.gov for returning to premises after a hurricane:

Links for local emergency management information and contacts

Business recovery information

Information for local businesses will be posted here as it becomes available. If you know of a useful resource please email details to editor@continuitycentral.com

Five important questions businesses should ask their insurer following Hurricane Laura

Major flooding and wind damage caused by Hurricane Laura will likely involve a long-term recovery for businesses that suffer storm-related losses, especially those still struggling as a result of the COVID-19 pandemic, according to FM Global, one of the world’s largest commercial property insurers. The resilience of already fragile businesses, especially those that supply necessities like food, shelter, fuel, power and paychecks, may very well hinge on a quick settlement of their storm-related insurance claims, says the insurer. Affected businesses should press their insurers for rapid claims response and, when in doubt, challenge their insurer to answer these five questions:

  1. Are adjusters on the ground, ready right now to assess the damage to my business?
    If your situation requires a site visit, the answer should be yes.  Once you have determined it’s safe to be on site, the adjuster should arrive within 48 hours of your call, or better yet, call you proactively.
  2. Can your adjuster authorize payments?
    Ideally, your adjuster will have the authority to make decisions and issue prompt payments to help you quickly restore operations.  If your insurer employs independent adjusters, however, that authority may not exist.
  3. When can I expect payment?
    You should expect payments from your insurer early and often during the restoration process. Under the best circumstances, the relationship between the policyholder and the insurer is established well before a loss ever happens, to help prevent surprises should a claim arise.
  4. How long will it take to complete a damage assessment?
    It varies with the complexity of the loss. The claims adjustment process is a dynamic one.  If both the policyholder and the adjuster are working in a spirit of cooperation, the damage assessment process can often be completed quickly, and the entire claim can usually be settled in a matter of months.  During this process, interim loss payments can be made. The more closely the insurer and insured work together, the greater the chance the claim will be settled quickly and satisfactorily.
  5. How long will you be on site to help with restoration and recovery?
    You should expect your insurer to be with you until the job is done, on site, partnering with you and answering your questions about restoration and policy response.  This will ensure you recover as quickly and smoothly as possible and that you make plans for risk mitigation in the future.

FEMA response updates:

Tuesday September 2:

State/Local Preparations/Response:

Federal Preparations / Response:

Monday August 31:

State/Local Preparations/Response:

Federal Preparations / Response:

Friday August 28:

FEMA has mobilized federal response teams to support Louisiana, Texas and Arkansas response efforts to the Hurricane.

FEMA pre-positioned commodities such as meals and water ahead of Hurricane Laura.

FEMA and its federal partners are moving assets and teams into areas impacted by Hurricane Laura.