Independent agents hit hard by Katrina.In reporting the aftermath of a catastrophe Catastrophe, from the Greek Καταστροφή (katastrephein), literally means "to turn" (strephein) "downwards" (kata-). such as Katrina ("Searching for a Cause," Best's Review, February 2006), do you ever consider the problems an independent agent faces? Can you comprehend what it means when your office and its contents are destroyed, electricity and phones are out, and your files are gone? Also, your home is unusable due to flooding or is completely gone, and your family is staying with relatives in another city. The bulk of income to your business has vanished, and your employees, having lost most of what they had, are probably scattered Scattered Used for listed equity securities. Unconcentrated buy or sell interest. all over the state. Without income, what are you going to pay them with even if they could come back to work? You probably also just realized that you will be responsible for the return commission due on all the policies about to be canceled. With your situation this bad, you now have to take care of your insureds. They need advice and support and help in filing their claims. You don't even have a tablet See digitizer tablet and tablet computer. TABLET - A query language. ["Human Factor Comparison of a Procedural and a Non-procedural Query Language", C. Welty et al, ACM Trans Database Sys 6(4):626-649 (Dec 1981)]. to take the information on and no telephone or fax to get the report to the company. Without your files or computer you may not know which company writes the coverage. Unlike the direct writer, you represent a number of companies, which limits the support any can give you. Handling a claim with an insured is a delicate proposition under the best of circumstances CIRCUMSTANCES, evidence. The particulars which accompany a fact. 2. The facts proved are either possible or impossible, ordinary and probable, or extraordinary and improbable, recent or ancient; they may have happened near us, or afar off; they are public or . Can you imagine what it would be like after a catastrophe? How do you explain to the insured that most of the damage was caused by water and not wind and that he did not purchase flood insurance Flood insurance denotes the specific insurance coverage against property loss from flooding. To determine risk factors for specific properties, insurers will often refer to topographical maps that denote lowlands and floodplains that are susceptible to flooding. when he has just lost everything he owns? Everyone he knows is telling him the insurance company should pay his full loss, attorneys are advertising to represent him, and even his attorney general is threatening to file suit against the companies. Your publication does a good job of reporting the technical side of the story but is very weak in showing the human side. The illustration of the agent talking calmly to one of his insureds is in sharp contrast to the experience of one of my agent friends whose insured pointed a gun at him and threatened his life if the claim was not covered not covered Health care adjective Referring to a procedure, test or other health service to which a policy holder or insurance beneficiary is not entitled under the terms of the policy or payment system–eg, Medicare. Cf Covered. . Bill Bryson Bryson & Co. Jackson Jackson. 1 City (1990 pop. 37,446), seat of Jackson co., S Mich., on the Grand River; inc. 1857. It is an industrial and commercial center in a farm region. , Miss. |
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