Hurricane season begins June 1st and runs through November 30th with the peak during late August. We have learned over the last several years that Hurricanes are highly unpredictable and can change direction at any given time. Being prepared is of the utmost importance. Below you will find important terms to know in the wake of a storm and some tips for pre and post storm action to include claims reporting.
Important Terms:
Tropical Depression: This is an atmospheric low-pressure system originating in the tropics. Specifically, a tropical cyclone in which the maximum sustained wind speed is 38 miles per hour or less.
Tropical Storm: This is a storm which originates from the tropics with sustained winds ranging from 39 – 73 miles per hour.
Hurricane Watch: This means hurricane conditions are possible within the specified area.
Hurricane Warning: The hurricane warning is issued 36 hours in advance of the anticipated onset of tropical-storm-force winds.
Hurricane: This is a storm that originates in the tropics with sustained winds in excess of 73 miles per hour.
Pre-Storm:
In the event you have storm related damages you should do the following:
1. Assess damages and prioritize by severity.
2. Mitigate damages whenever possible.
3. Report claims timely by the following:
• Phone: 1-800-237-6617 | Fax: 321-832-1448 | Email: [email protected]
• Contact: Fred Tucker, Liability Claims Manager at 1-800-237-6617 ext. 4000 or [email protected]
Post -Storm Claims Handling:
1. Once the claim is reported to PGCS they will engage Engle Martin & Assoc. to contact the member to discuss the claims process and schedule inspections as needed.
2. Engle Martin works closely with PGCS and will provide status updates, payment recommendations to include advance payments when necessary and settlement recommendations.
3. Engle Martin will work closely with the member throughout the claims process until conclusion.
Working with FEMA:
Our recommendation for working with FEMA is to complete your application and then work with Preferred via Engle Martin / PGCS adjusters through the claims process before submitting any documentation to FEMA. Once your claim is concluded with Preferred a detailed payment directive letter will be provided and this will include a damages/deductible worksheet that can be provided to FEMA outlining the entirety of your claim. If you have questions about the claims process, please contact your agent or Fred Tucker at PGCS.