New Podcast: Hurricane Andrew – A “Boots on the Ground” Story

Thirty years ago this week, I was busy planning to travel as part of an insurance catastrophe response team. We were trained and ready to go, but I never expected my deployment to become an 18-month assignment to South Florida.

 I wasn’t alone. Few were truly ready for the enormity of Hurricane Andrew and the Category Five winds that caused total devastation to nearly 50,000 homes and damage to 108,000 more. The deadly storm disrupted and redirected life for so many. For my part, it forever established my passion for helping people survive and become resilient in the face of disasters by building our homes right the first time.

Please join me and John Zarrella, former CNN correspondent, as we reflect on Hurricane Andrew that struck on August 24, 1992. It’s been thirty years. What was it like on the ground? What has changed? Are we stronger today? What is the unfinished business of our movement?

 

 


Thirty years ago, Andrew roared ashore after decades of low hurricane activity leaving South Florida residents unprepared and in shock as they coped with the devastating effects. The storm killed and injured many and caused damage to thousands of homes and businesses. Hurricane Andrew revealed weaknesses in critical community functions and inspired modernization of how we prepare for and respond to disasters from nearly all aspects, including communications, emergency management, insurance, telecommunications, utility provision, weather forecasting technology, and more.

One of the most significant impacts is how it caused us to rethink how we build our homes in the face of hurricanes. Today, we emphasize better building codes with standards derived from enhanced engineering research. We strive for more consistent code enforcement. These two goals caused the genesis of our organization, Federal Alliance for Safe Homes, Inc. (FLASH), with the mission of strengthening homes and safeguarding families from disasters of all kinds.

Much has changed and improved in the last 30 years, especially technology and tools, but critical work remains. Enjoy this discussion with two veterans of one of the costliest natural disasters in U.S. history and learn how you can join us to ensure we’re ready for the inevitable storms ahead.

Topics Include:

  • John’s background in news and personal Hurricane Andrew experience as a lifelong resident of Miami (2:39)
  • Leslie’s role and Hurricane Andrew experience as part of the insurance industry catastrophe response (6:07)
  • Theater of Operations – Conditions on the Ground (7:23)
    • Reporting Challenges: difficulties delivering coverage from the field (7:47)
    • Adjusting Thousands of Insurance Claims: what’s different today (12:24)
    • Lessons Learned: emergency management system (25:45)
    • FLASH Creation: building code advocates (30:06)
    • Communication Technology: then and now, barriers and solutions (32:43)
    • Track Forecasting: the ability to know what to expect (35:24)
  • What is the “Unfinished” Business of the Disaster Safety Movement (37:25)
    • Lessons learned post-disaster (38:00)
    • Building codes (38:14)
    • Public acceptance (40:37)

I hope you enjoy this podcast episode and don’t forget to subscribe, rate, share, and provide a review on iTunes. Don’t miss these helpful resources and links too:

John Zarrella

Leslie Chapman-Henderson

Federal Alliance for Safe Homes (FLASH)

#HurricaneStrong

Homeowner’s Insurance Guide

InspectToProtect.org

FEMA Building Codes Strategy

Tale of Two Homes

Buyer’s Guide to Resilient Homes

New Podcast: Take Steps Today for a Smooth Hurricane Claim Process Tomorrow

Hurricane season is here. Are you fully prepared by having the right insurance? Do you have a home inventory to go along with your policy? Did you know that a detailed written, photographic, or video inventory of your belongings is the most effective way to plan for a claim?

Elizabeth Gulick

Elizabeth Gulick, VP of Claims Operations – USAA

This week’s Strong Homes, Safe Families! expert guest is Elizabeth Gulick, Vice President of Claims Operations for USAA and member of the FLASH Board of Directors. Elizabeth shares her experience on the best way to create a home insurance inventory and much more. She highlights consumer protection safeguards to follow as you’re going through the repair and rebuilding process, and many critical steps to ensure you’re ready should it happen ever again.

With Elizabeth’s excellent insights and our newest checklist (click here), you can ensure any future claims run smoothly. When you do, you will be on your way to #HurricaneStrong.

Topics:

  • After thirty-plus years responding to disasters (1:40), what is it like after a catastrophe strikes? (2:55)
  • Recover, Rebuild, Resolve: Understanding USAA’s commitment to resilience (4:25)
  • How does the insurance claim process work? (7:19)
  • What are some tips for choosing a contractor? (9:31)
  • What is a home inventory, and why is it critical? (11:14)
  • What are the five steps to help prepare for a claim? (11:38)
  • Now that the claim is complete, what do I do next? (15:56)

Click here to listen to this week’s Strong Homes, Safe Families! podcast episode, and don’t forget to subscribe, rate, share, and provide a review on iTunes. You can learn more about insurance and mitigation by downloading A Homeowners Insurance Guide to Natural Disasters or emailing your questions to info@flash.org today.

Just in case you missed our previous Strong Homes, Safe Families! episodes:

  1. #HurricaneStrong and the 2020 Season feat. National Hurricane Center Director Ken Graham
  2. The Scoop on Hurricane Shutters feat. Tim Robinson, Managing Partner of Global Protection Products and President of the International Hurricane Protection Association
  3. Skills + Supplies Today = Safety and Survival Tomorrow feat. Sean Reilly, District Manager for Lowe’s along North and South Carolina coast-between Myrtle Beach and Morehead City
  4. #HurricaneStrong Home Hacks that Save Time and Money feat. Bill Ferimer, Lowe’s Store Manager in Wilmington, North Carolina
  5. Have an Insurance Checkup and Make Your Policy #HurricaneStrong feat. Amanda Chase, State Farm Insurance Agent in Winter Park, Florida

New Podcast: Have an Insurance Checkup and Make Your Policy #HurricaneStrong

Are you in the dark about what your insurance policy will provide after a hurricane? Did you know that you may have coverage for food that spoils when the power fails even if your home isn’t damaged? Moreover, did you know that food spoilage coverage is often deductible-free?

Are you aware that a special, separate policy is required to cover flood? Did you know that flood policies have a 30-day waiting period? Will your coverage limits provide enough to repair and rebuild if your home is damaged?

These are the kinds of questions that you can answer during an annual insurance checkup to keep your policy current and keep you in the know before hurricanes strike.

Amanda Chase

Amanda Chase, State Farm Agent

This week’s Strong Homes, Safe Families! podcast interview and checklist (click here) focus on the insurance checkup or annual review—your way to make your policy #HurricaneStrong. My expert guest for this podcast is Amanda Chase, a State Farm insurance agent in Winter Park, Florida.

Topics Include:

  • Financial Security: Having the resources to repair and recover from hurricanes
  • Insurance Checkup: Review policies, obtain advice on coverage and updates
  • Hurricane Deductibles: How they work, when they kick in
  • Understand Exclusions and Eliminate Surprises: What a policy pays for (and doesn’t)
  • Capitalize on Building Codes: Save money on insurance with discounts for good building practices, safety features and more
  • Consumer Survey and COVID-19: More ready to get prepared to shelter at home safely
  • Power Outage Coverage: Reimbursement for loss of use and food spoilage
  • Control Uncontrollables: Know answers to questions to not fear the unknown

Click here to listen to this week’s Strong Homes, Safe Families! podcast episode, and don’t forget to subscribe, rate, share, and provide a review on iTunes. Learn more about insurance and mitigation by downloading A Homeowners Insurance Guide to Natural Disasters or emailing your question to info@flash.org.

New Podcast: Skills + Supplies Today = Safety and Survival Tomorrow

What’s in your hurricane supply kit? Do you have what you need to make repairs after a storm? Can you safely operate a generator? How about a chainsaw?

5-27-20 Disaster Supply Checklist Graphic Final

This week’s podcast with checklists (click here) and videos provides the refresher you need to make sure you are #HurricaneStrong and ready for the June 1 start of hurricane season. My guest expert for this discussion on episode three of Strong Homes, Safe Families! is Sean Reilly, District Manager for Lowe’s along North and South Carolina coasts⁠—between Myrtle Beach and Morehead City. In this interview, Sean talks about the importance of individual and family preparedness by having adequate disaster know-how, supplies, and equipment.

Sean Reilly

Sean Reilly, District Manager – Lowe’s

Topics Include:

  • Front and Center: Sean’s fair share of storm experiences and hurricane challenges
  • Store Environment: Hurricane watches and potential for landfall sets the mood
  • People and Preparation: Lowe’s guides customers, associates, and communities
  • Think Outside the Box/Kit: People tend to forget other essentials, including a home battery phone charger, extra gasoline, and charcoal or propane to cook food
  • Sentimental Storage: Save pictures, videos, and documentation in waterproof areas
  • Equipment: Know how to safely use portable generators, chainsaws, and other tools

Generator with ButtonChainsaw with button

 

 

 

Please click here to listen to this week’s episode.

For those of you in Florida, don’t forget the Florida Disaster Preparedness Sales Tax Holiday is Friday, May 29 through Thursday, June 4, so it’s a great time to save on your supplies. If you’re stocking up at Lowe’s, look for the #HurricaneStrong signs in the store or visit www.HurricaneStrong.org to learn more.  

5-27-20 Lowe's Signage

 

Legislature Poised to Weaken Florida Building Codes

The nonprofit Federal Alliance for Safe Homes (FLASH) today reiterated its strong opposition to Senate Bill 1312 by Senator Keith Perry of Gainesville that would forever alter and weaken Florida’s nationally-acclaimed building code system.

Slated for consideration today, Senate Bill 1312 eliminates the requirement to update the Florida Building Code every three years using model building codes as the starting point or foundation. The measure instead proposes that the Florida Building Commission will review the model codes for changes “one at a time.” The proposed approach would not only be more complex, expensive and inefficient than the current system, but it will stymie progress and lead to building failures during ordinary and catastrophic times alike.

“We oppose this harmful legislation as it takes Florida backward to an inferior system that will leave families and communities at unnecessary risk,” said FLASH President and CEO Leslie Chapman-Henderson. “Sadly, decades of documented history indicate that our state must maintain a compulsory update system based on model codes or risk a return to a patchwork system of unequal construction standards and inferior, poor quality homes. This proposed, weakened system would leave Floridians exposed to physical danger and economic ruin.”

The proposal will:
• Move the current Florida Building Code steadily away from continuity with national, model codes;
• Place $60 million of flood insurance premium savings at risk;
• Compromise conformity across cities and counties leaving residents with unequal levels of protection—an antiquated system;
• Place unfair burdens on local governments to keep pace with innovation and new science without provision of necessary, additional resources;
• Overburden the Florida Building Commission that lacks the resources to approximate the national, model code development process (a $9 million per year investment);
• Introduce costly uncertainty and a lack of confidence that will drive down ratings by agencies, insurers, and catastrophe modelers; and,
• Cause avoidable, unfair and unnecessary suffering for consumers and communities for years to come.

Chapman-Henderson concluded, “After the deaths and billion dollar losses of Hurricane Andrew, Florida forged the most admirable building code system in the nation. Senate Bill 1312 would forever undermine that legacy, so we urge Florida’s leaders to protect our system, and reject any measure that places it at risk.” Additional information and resources are available in the commentary, The Case for Preserving Florida’s Building Code System.

Weather Channel’s “WX Geeks” Feature FLASH

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As you might imagine, the first question we often get when we encounter new contacts in our movement is, “What exactly is the Federal Alliance for Safe Homes or FLASH Partnership, and how does it work?” Because achieving disaster resilience requires integration of many different areas of expertise, our partners include academics, architects, builders, code experts, corporations, emergency managers, engineers, first responders, floodplain managers, insurers, leaders, manufacturers, meteorologists, modelers, researchers, scientists, and many more.

We are a diverse coalition with the conviction that good science should lead to good building practices, and, ultimately, safe families and strong communities that can both resist and bounce back from natural disasters. With this “road to resilience” in mind, we lead—through collaboration, communication, and innovation.

I recently sat down with Dr. Marshall Shepherd, host of The Weather Channel’s clever Sunday show, WX Geeks to talk about the FLASH Partnership and highlight our new national hurricane resilience initiative, #HurricaneStrong. Thanks to his expert interview skills, a great producing team, and a national news channel that lives its commitment to disaster resilience, we had a stellar opportunity to tell our story.

Enjoy.

When Legislators Forget About Building Codes, Hurricane Amnesia is Officially Here

iStock_000078505961_Full

The Florida Building Codes enacted, enhanced, and consistently updated since the devastating building failures of Hurricane Andrew in 1992 are considered a national standard for excellence in high-wind construction.

So, when our advocacy partners sent up an “all hands alert” just two weeks before the close of the Florida Legislative session, we were shocked to learn that the Florida Building Code was under assault. Someone, apparently a Florida Home Builders Association representative, had convinced a few legislators that it would be good idea to extend the update cycle for the entire state’s code from a three-year to a six-year cycle.

They attempted this by adding an amendment added to Committee Substitute #2 on House Bill 535, stating: 

553.73 Florida Building Code.— 

 (7)(a) The commission, by rule adopted pursuant to ss.120.536 (1) and 120.54, shall update the Florida Building Code every 6 3 years.

This was done quietly as the bill headed to its last committee, and then off to the House floor. Senate Bill 704 was set to follow the same route. It’s important to note that often when legislation is made quietly and at the last minute, it’s because the action cannot hold up under public scrutiny. Or, as we like to say in Florida, it can’t survive the sunshine.

And such was the case here.

I’ve written about this growing issue before here in this blog, as well as in our paper, Disaster Resilience Rising Means the Time is Right.

The three-year cycle is used by Florida, and most states, because it follows the International Code Council development process of new model codes crafted through consensus on a three-year, recurring cycle. Even so, there is often an administrative tail on the final adoption. Regardless, when we adopt and enforce the newest building codes, our building practices stay current with new products, science innovation, and post-disaster insights.

Yet some states and jurisdictions, like Minnesota and North Carolina, have elongated code adoption from three to six, or even nine years. These extended code cycles not only leave citizens without the benefit of current model building codes, but also impede the disaster safety movement goal to rapidly incorporate beneficial, post-disaster findings into model codes.

Opponents of timely adoption have convinced some lawmakers that there is no harm in switching from a three-year to a longer, six-year update cycle. They argue that it provides a cost savings with no offsetting harm to the overall construction in those states.

But they could not be more wrong. Here is how we made our case to the Florida press:

Stalling the timely adoption of the newest building code represents a backward step for construction, design, innovation, and disaster resilience overall with negative impacts across many fronts.

1. Families will be denied the latest insights and advances in construction technology and the benefits of innovation and advances that deliver savings across energy, fire and other cost drivers (ordinary water losses and/or catastrophic losses). For example, this will put essential code enhancements for flood resistance on hold.

2. The excellent building code policy record in Florida is one of the most important supports for the often-stressed property insurance system. This type of policy setback could have devastating effects on the delicate balance that has been so hard won post-Andrew.

3. The El Niño year has already delivered the projected tornadic and high wind events. The expected La Niña could bring similarly heightened activity. Further, many credible meteorology professionals suggest strong potential for a hurricane season reminiscent of the 2004-2005 activity level.

Shortly after the news spread of these amendments altering the Florida building code cycle from three to six years, the effort was abandoned. And, we are very relieved that it failed. But we should all be wary. If any Florida Legislator can be convinced that we don’t need to maintain current building codes in the most high-risk hurricane state, then we are not only forgetting history, but we are dooming ourselves to repeat it.

With this in mind, we’ve launched a new initiative, #HurricaneStrong, to help remind the public, leaders, and families alike, that we must remain vigilant to remain disaster resilient. I hope you’ll join us.