Flooding Resource Center

Safety first response

Unfortunately, there isn’t much that individuals can do during the severe weather instance. However, a safety first response (as well as guidelines for the workforce) can help keep individuals protected during the event.

During a flood event, individuals should

• Have access to an emergency communication plan
• Follow guidelines for safety
• Monitor weather reports and flood conditions provided by local authorities
• Determine when to evacuate if necessary

Getting back to business safely

After the flood, businesses may be eager to get back to work. However, companies must approach return to work with safety procedures in place and with a mind towards reporting their claims. Doing so will ensure the wellbeing of workers.

Some examples of this safety first mindset include

• Accounting for all employees
• Ensuring access to PPE
• Identifying immediate hazards and notifying authorities if necessary
• Disallowing access to areas where there is a risk of exposure to pollutants
• Avoiding walking through areas where you cannot see where you’re stepping
• Using technology such as drones to access damaged areas first
• Obtaining additional equipment as needed
• Confirming that affected areas have been restored and are safe to be re-entered

Preparing for a claim

As part of recovery efforts, the business should be prepared to file a claim. They should already have a plan in place, with key stakeholders aware of their responsibilities.

The phases of filing a claim with Marsh as an advocate include

• Identify / Definition
• Exposure / Reserving / Preparation
• Data Gathering / Financial Analysis / Claims Preparation
• Negotiation / Settlement / Recovery

Companies can help this process by:

• Knowing the claims process
• Checking critical policy conditions
• Communicating
• Documenting everything