Butler Agency Hurricane Michael Update #6

Hurricane Michael Update #6 Thursday, October 18, 2018 An Update From Denise Day 8... Signs of recovery are everywhere. The generosity of so many to our coast is nothing short of amazing. We certainly are NOT “Forgotten.”   My tireless staff has been surprised by those who have remembered that we are all hands on deck and brought us Girl Scout cookies, Chick -Fil-A sandwiches and food from Mangia 850! A representative from FAIA even brought us gasoline and ice! Most of our claims seem to be from surge and the National Flood Insurance Program (NFIP) and the private programs that mirror those coverages, are policies developed for catastrophic events to protect buildings. Some of the things that are damaged…and are messy and costly to repair and replace….are not covered in the Federally dictated program. Flood policies are always separate from the wind and homeowners policies because they are a federal program with rates….and coverages…based on the zone and structure that are the same across the US. We live here, too, and our policies are no different than those we write for our customers. Storm clean up is beastly, smelly and costly and falls on the property owner to navigate. Adjusters are here in great numbers as you can imagine. Our folks who had total losses and those without a home to stay in are getting priority….as they should. Many contractors are in the area and, sad to say, we have had reports of some price gauging that should be reported to the Fraud Hotline. There is a lot of help here but it is somewhat disorganized. The Apalachicola Airport looks like a Military Base with all the trucks and machinery out there. The reality has set in that we have survived a catastrophic event. However, there is also a spirit of camaraderie that we will “come back”. Kids will go back to school in Franklin County next week and Gulf County on November 5th. Neighboring counties are still to be determined. The Eastpoint Post Office was flooded so our Mail Carriers are under a tent with big bins distributing mail. Folks, this has been THE BIG ONE. Denise Butler Office Hours 8a to 4p EST tomorrow, October 19, 2018 8a to 4p EST next week, Monday - Friday Our office will be closed this weekend, October 20-21, 2018. You can continue to contact your carriers directly to submit your First Notice of Loss. At this time the preferred method of contact for any non-urgent questions/ concerns is by email. Emails will not be monitored over the weekend. Please do not assume any claim to be filed until you hear from us indicating such. Denise - denise@thebutleragency.com Allison - allison@thebutleragency.com Zach - zach@thebutleragency.com When emailing, please only send your email to one of us to avoid duplicate responses. Contractor Recommendations We are fortunate to have many great contractors in the Florida Panhandle! We are not able to give specific recommendations for a contractor for remediation and repairs. The Franklin and Gulf County Building Departments can provide a list of contractors licensed in our area.  You can also search the FL Department of Business and Professional Regulation for individuals licensed to serve your particular need. Additionally, you can contact the area Chamber of Commerce. Florida DBPR Franklin County Bldg Dept Gulf County Bldg Dept Apalachicola Bay Chamber of Commerce Gulf County Chamber of Commerce Carrabelle Chamber of Commerce Bay County Chamber of Commerce Adjuster Contact Adjusters are working diligently to make first contact with our impacted customers. There will be a delay in hearing from adjusters with the large volume of claims reported with this storm. Please, be patient! You do not have to be at the home when the adjuster visits. The adjuster will need access to the interior and exterior of your home. You can have a neighbor, friend, secondary caregiver, property management company, etc. accompany the adjuster to your home. Do not make any permanent repairs to the home prior to meeting with the adjuster(s). Claim Contact Information American Bankers -- (800)852-2244 American Integrity -- (866)277-9871 American Strategic Insurance -- (866)274-8765 American Strategic Insurance Flood -- (866)511-0793 Avatar -- (877)233-3237 Bankers -- (800)765-9700 Beazley (with Johnson and Johnson) -- email claims@jjins.com Bass -- (954)473-3198 Cabrillo -- (866)482-5246 Citizens -- (866)411-2742 Cypress -- (877)560-5224 Elements -- (EPIC) (866)709-8749 Federated -- (800)293-2532 FEMA Flood -- (800)767-4341 FL Family Insurance -- (888)486-4663 FL Peninsula -- (877)229-2244 Florida Specialty(formerly Mt Beacon) -- (866)554-5896 Frontline Torrent Flood -- (877)254-6819 Frontline -- (800)675-0145 Heritage Property & Casualty -- (855)415-7120 Homeowners Choice -- (866)324-3138 (888)2105235 Lexington (with Johnson and Johnson) -- email claims@jjins.com Olympus -- (866)281-2242 Orchid -- (866)370-6505 Progressive -- (800)-925-2886 Seacoast Brokers Insurance -- (843)341-1600 Security First Insurance -- (877)581-4862 Southern Fidelity Insurance -- (866)722-4995 Southern Oak Insurance -- (877)900-2280 Sterling Surplus (Flood) -- www.sterlingsu.com TAPCO -- (800)334-5579 United Property & Casualty -- (888)256-3378 Universal Property & Casualty -- (800)470-0599 Velocity Risk Underwriters -- (844)878-2567 Weston Insurance -- (877)505-3040 Wright Flood -- (800)725-9472 If your carrier isn't listed, please call us at 850-670-1200 between 8a-4p EST. Citizens Catastrophe Response Center Locations Citizens staff will be available at the following locations to help customers file claims and issue checks for additional living expenses, if this coverage is available under your policy. Apalachicola City Complex 192 Coach Wagoner Blvd. Apalachicola, FL 32320 9 a - 4 p ET through Friday, October 19 Centennial Bank (parking lot) 202 Marina Drive Port St. Joe, FL 32456 8:30 a - 5 p ET, daily Pre/Post Hurricane Michael Imagery This site will allow you to access NOAA's imagery of the damage to our area for quick Check In on your home. The new link below pairs the pre and post Michael imagery with a slider between the two, allowing for a quick comparison. Please Navigate to: https://maps.geointel.org/app/gic-public/?extent=-9508815.5135%2C3496563.1035%2C-9508555.747%2C3496921.4021%2C102100 Pre/Post Michael Imagery FEMA Hurricane Michael Rumor Control Please follow the link below to access FEMA's Hurricane Michael Rumor Control page. This page provides valuable information regarding rumors and scams FEMA has seen evidence of. FEMA Rumor Control FEMA Disaster Assistance Information Most of the areas that we serve have been designated FEMA Individual and Public Assistance areas as of 10/16/2018. We are unable to provide information related to these services. Please navigate todisasterassistance.gov. DisasterAssistance.gov From Gov. Scott: Disaster Relief Employment Available to Floridians Impacted by Hurricane Michael  Governor Rick Scott announced that Florida has been awarded federal National Dislocated Worker Grants to provide temporary employment to Floridians affected by Hurricane Michael. The federal National Dislocated Worker Grant, administered by the Florida Department of Economic Opportunity (DEO), provides disaster relief employment in the form of temporary jobs that support storm response and recovery efforts. Find more information at: https://www.flgov.com/2018/10/16/gov-scott-disaster-relief-employment-available-to-floridians-impacted-by-hurricane-michael/ Disaster Relief Employment Info

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